{
  "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": 73,
  "pageCount": 85,
  "prevPage": 72,
  "nextPage": 74,
  "slideType": "kpi_dashboard",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 12,
  "notes": "Data as of Q4 2024. Includes Kensington Mortgages Company balances.",
  "elementsJson": [
    "bullet_list",
    "donut_chart",
    "bar_chart_vertical",
    "footnote"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5e88-73ef-bd5b-7c03cd42b157/73",
  "deckHref": "/decks/019dd923-5e88-73ef-bd5b-7c03cd42b157",
  "deckJsonHref": "/decks/019dd923-5e88-73ef-bd5b-7c03cd42b157.json",
  "deckAnchorHref": "/decks/019dd923-5e88-73ef-bd5b-7c03cd42b157#slide-73",
  "components": [
    {
      "bbox": {
        "h": 0.4,
        "w": 0.45,
        "x": 0.5,
        "y": 0.45
      },
      "kind": "chart",
      "text": "Maturities by year",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "ce1d28ad-c3bd-4d22-9b11-baf30cda563a",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.4,
        "w": 0.4,
        "x": 0.02,
        "y": 0.45
      },
      "kind": "chart",
      "text": "Total mortgage portfolio composition by rate type",
      "attrs": null,
      "subkind": "donut",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "fba943ab-9cd3-41e7-a9fa-e913df9203ad",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.9,
        "x": 0.02,
        "y": 0.95
      },
      "kind": "disclaimer",
      "text": "1 Buy to Let (BTL) | 2 Maturities defined as the end of the customer's fixed rate period. Figures are indicative and reflect the position at a point in time | Note: Includes Kensington Mortgages Company balances",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "66c10306-25d4-4798-a904-e63bb2e1338b",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.45,
        "x": 0.02,
        "y": 0.16
      },
      "kind": "list",
      "text": "53.0% average balance weighted LTV of mortgage stock; 39.7% average valuation weighted LTV; 11% of total balances are BTL mortgages; Consistently low 90-day arrears rate (Q424: 0.2%); Well-established affordability assessments in place",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "58920091-cc77-4d51-af79-8bdb4a4cdc91",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Mortgage portfolio balance: £163bn",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd952-0a6c-76ba-8e85-687847623b37",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.7,
        "x": 0.02,
        "y": 0.04
      },
      "kind": "title",
      "text": "Resilient mortgage book with customers proactively locking in rates",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "3f32ae6f-0267-4ffb-88d8-551750869bd2",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Action Titles",
      "slug": "action-titles",
      "agent": "Architect",
      "layer": "slide",
      "matchId": "019dd95a-196f-705e-9a45-57d5245b3fc9",
      "evidence": "'Resilient mortgage book with customers proactively locking in rates'",
      "confidence": 80
    }
  ],
  "frameworks": [],
  "arcBeats": [],
  "loops": [
    {
      "to": 75,
      "from": 71,
      "name": "Sensitivity Test",
      "slug": "52-sensitivity-test",
      "bestFor": "Financial models, forecasting, risk assessment",
      "matchId": "019dd95a-08f7-737a-a004-9b99110dc1ae",
      "evidence": "Rate sensitivity slide, balance sheet provisioning, mortgage and CRE stress",
      "position": 9,
      "objective": "Test resilience of plan to rate moves and credit exposures",
      "structure": "The Base Case -> Assumption A Varies -> Assumption B Varies -> Robustness of Conclusion",
      "confidence": 65,
      "description": "Show how conclusions change (or don't) when key assumptions vary"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}