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  "docSlug": "825b821ae936f584",
  "documentTitle": "20240220 Barclays US Consumer Bank Investor Update",
  "authorId": "Barclays",
  "authorName": "Barclays",
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  "notes": "The slide uses a simple list-based framework to highlight strategic priorities.",
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      "kind": "list",
      "text": "c.£16bn IRB RWA increase in H224, pre-mitigating actions\nUS-based card issuers impacted by adoption of Basel 3.1 in 2025",
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      "kind": "list",
      "text": "Long track record of prudent risk management\nReserve rebuild in 2023 from COVID lows\nTrend towards long run average annual LLR of c.400 bps",
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      "kind": "list",
      "text": "Long track record of growth and returns\nTarget 2026 RoTE (including IRB) is in line with Group target, mid-teens thereafter",
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      "text": "RoTE: 400 bps",
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      "kind": "source-note",
      "text": "1 Long run average annual loan loss rate based on period from 2011-2023",
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      "text": "Focus areas",
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