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  "documentTitle": "20240220 Barclays FY2023 Results and Investor Update Presentation",
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  "notes": "The slide tracks credit performance metrics and reserve provisioning under IFRS9 and CECL standards.",
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      "text": "Forecast LLR to trend towards long term average of c.400bps",
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      "text": "1 LLR calculated as Impairment charge / Average Gross Loans and Advances... 4 Represents impairment reserve based on lifetime expected losses as a percentage of end net receivables",
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      "text": "Higher delinquencies in US Cards in line with market trend",
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