{
  "docId": "019dd923-5e88-73ef-bd5b-7c03cd42b157",
  "docSlug": "049deaeb716a8628",
  "documentTitle": "FY24 Results and Progress Update Presentation",
  "authorId": "Barclays",
  "authorName": "Barclays",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "equity_research",
  "sourceTypeLabel": "Equity research",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 13,
  "pageCount": 85,
  "prevPage": 12,
  "nextPage": 14,
  "slideType": "kpi_dashboard",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 48,
  "notes": "The slide tracks credit performance metrics for US Consumer Bank (USCB) and US Cards.",
  "elementsJson": [
    "line_chart",
    "bar_chart_stacked",
    "data_table",
    "callout_box"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5e88-73ef-bd5b-7c03cd42b157/13",
  "deckHref": "/decks/019dd923-5e88-73ef-bd5b-7c03cd42b157",
  "deckJsonHref": "/decks/019dd923-5e88-73ef-bd5b-7c03cd42b157.json",
  "deckAnchorHref": "/decks/019dd923-5e88-73ef-bd5b-7c03cd42b157#slide-13",
  "components": [
    {
      "bbox": {
        "h": 0.1,
        "w": 0.12,
        "x": 0.85,
        "y": 0.2
      },
      "kind": "callout",
      "text": "H224 charge of £574m below H124 charge of £719m",
      "attrs": null,
      "subkind": "primary",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "02834c0c-71af-4702-88ed-36a30e2fedce",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.12,
        "w": 0.12,
        "x": 0.85,
        "y": 0.39
      },
      "kind": "callout",
      "text": "LLR to trend towards long term average of c.400bps over FY24-FY26 period",
      "attrs": null,
      "subkind": "primary",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "91534beb-1f3a-4136-846b-a18b7b631eda",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.12,
        "x": 0.85,
        "y": 0.6
      },
      "kind": "callout",
      "text": "FY24 charge of £1,293m below FY23 charge of £1,438m",
      "attrs": null,
      "subkind": "primary",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "abc126da-8543-4e5f-a4aa-03ba9bddb7bd",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.3,
        "w": 0.8,
        "x": 0.02,
        "y": 0.45
      },
      "kind": "chart",
      "text": "USCB reserve build and write offs",
      "attrs": null,
      "subkind": "bar-stacked",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "302215c2-f827-438e-a795-e39c4771ec2d",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.8,
        "x": 0.02,
        "y": 0.18
      },
      "kind": "chart",
      "text": "30 day and 90 day US cards delinquencies",
      "attrs": null,
      "subkind": "line",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "6f00a00f-36e6-4860-8bd3-5f4956dcb5bf",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.95,
        "x": 0.02,
        "y": 0.91
      },
      "kind": "disclaimer",
      "text": "Expected Credit Loss in anticipation of future write-offs | Typically 12 months after charge-off... | Includes a co-branded card portfolio...",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "707090af-2ef4-41bf-a1dd-353f4b01dcce",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "USCB loan loss rate: 395",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd952-0a6c-76ba-8e7f-c4b2cc574161",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.8,
        "x": 0.02,
        "y": 0.78
      },
      "kind": "table",
      "text": "Total USCB coverage ratio (IFRS9 and CECL)",
      "attrs": null,
      "subkind": "kpi",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "24018269-0987-4c14-8a11-0c169652f14c",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.45,
        "x": 0.02,
        "y": 0.05
      },
      "kind": "title",
      "text": "Broadly stable delinquency trends in US cards",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a2f2ff82-5c77-458b-a781-2d3a832503ec",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Action Titles",
      "slug": "action-titles",
      "agent": "Architect",
      "layer": "slide",
      "matchId": "019dd95a-18fa-708b-805d-b1b79aca55ca",
      "evidence": "Headline characterises trend: 'broadly stable delinquency'",
      "confidence": 85
    },
    {
      "name": "Annotation",
      "slug": "annotation",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019dd95a-18fa-708b-805d-b644e472c7f7",
      "evidence": "Callout: 'LLR to trend towards long term average of c.400bps'",
      "confidence": 75
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 32,
      "from": 4,
      "beatId": "019dd95a-07a6-74c7-902a-05ef3abdd88a",
      "arcName": "The Triple Take",
      "arcSlug": "triple-take",
      "beatName": "The Facts (What)",
      "beatSlug": "triple-take-the-facts-what",
      "evidence": "Q424/FY24 RoTE, NII, costs, LLR walkthrough at Group and divisional level",
      "position": 1,
      "confidence": 80,
      "parentBeatName": "Setup",
      "parentBeatSlug": "setup"
    },
    {
      "to": 32,
      "from": 4,
      "beatId": "019dd95a-07a7-7579-bd5f-94f8f7b215c1",
      "arcName": "The Transformation Tale",
      "arcSlug": "transformation-tale",
      "beatName": "Current Reality (Pain)",
      "beatSlug": "transformation-tale-current-reality-pain",
      "evidence": "10.5% RoTE, 62% CIR — below FY26 ambition",
      "position": 1,
      "confidence": 55,
      "parentBeatName": "Complication",
      "parentBeatSlug": "complication"
    }
  ],
  "loops": [
    {
      "to": 14,
      "from": 6,
      "name": "Zoom In",
      "slug": "06-zoom-in",
      "bestFor": "Technical deep-dives, case studies, detailed analysis",
      "matchId": "019dd95a-08f7-737a-a004-7fd3875bcfd4",
      "evidence": "p.6 Group dashboard then p.7 RoTE waterfall, NII bridge, costs, LLR detail",
      "position": 2,
      "objective": "Drill into Group-level income, NII, hedge, costs, LLR",
      "structure": "The Big Picture -> Key Area of Focus -> Specific Detail -> Implication",
      "confidence": 80,
      "description": "Start broad, then progressively focus on specific details that prove your point"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}