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  "documentTitle": "20230215 Q422 FI Investor Presentation vFFF",
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      "text": "Expect an LLR of 50-60bps in 2023, based on the current macroeconomic outlook",
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      "text": "1 Expected Credit Losses (ECL) | 2 Loan Loss Rate (LLR) is quoted in basis points and represents total impairment charges divided by gross loans and advances held at amortised cost at the balance sheet date",
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