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  "notes": "The slide presents a line chart for historical loan loss rates and a stacked bar chart for quarterly credit impairment charges.",
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      "text": "BUK: Cards repayment rates remain high and delinquencies stable. CC&P: US cards balance growth +11% YoY, delinquencies in line with pre-pandemic, expect seasonally higher spending in Q423. CIB: £20m impairment release in Q323.",
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