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      "text": "As a result of these actions RWA density in 2026 expected to be c.145%, more in line with US Basel 3.1 impacts",
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      "text": "Approach: more conservative modelling for unutilised credit lines and to reflect unexpected losses in line with 2009 Global Financial Crisis. RWA impact: c.£16bn increase in H224 across c.85% of portfolio. US-based card issuers: increases in credit and operational risk expected in 2025 under proposed Basel 3.1 rules in the US",
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