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  "documentTitle": "20240220 Barclays FY2023 Results and Investor Update Presentation",
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      "text": "Context: The key difference between IRB and standardised is the model now captures unused credit lines more conservatively. RWA impact includes a higher estimate of unexpected loss based on the Global Financial Crisis in 2009",
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      "text": "1 Source: U.S. Bureau of labour statistics | 2 2009 includes open and closed accounts",
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      "text": "Aside from US Cards, no material impact in current portfolios from model migration expected",
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