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  "notes": "Waterfall chart illustrates cost drivers including inflation, efficiency savings, and growth investments.",
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      "text": "Operating costs excludes bank levy and litigation and conduct | Group operating cost guidance is based on an average USD/GBP FX rate of 1.23 for Q223-Q423 | Single Resolution Fund | Based on an average of FY20, FY21 and FY22 costs.",
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      "text": "Corporate & Investment Bank +£281m: Technology, resilience & control enhancements, selective hiring; c.£40m higher European SRF levies in Q123",
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      "text": "Barclays UK +£94m: Transformation: digital optimisation and service simplification; Efficiencies broadly offsetting inflation",
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      "text": "Consumer, Cards & Payments +£170m: US Cards balances +30%, including Gap",
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