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  "documentTitle": "Barclays Global Financial Services Conference 2023",
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  "notes": "The chart uses a visual arrow to indicate the decline in expense growth rates.",
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      "text": "Expense growth rate in 2024 will be significantly lower than 2023 growth rate; Reflects partial realization of ~$750 million gross cost savings program; Goal is to take out costs and offset natural expense growth and inflation in 2024 and beyond",
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      "evidence": "Donut breaks $300MM RIF + $250MM Org + $200MM Tech = $750MM; next slide bridges 7% to ~0-1%.",
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