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  "documentTitle": "20240220 Barclays UK Investor Update",
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  "notes": "Uses a 'before-after' framing to justify strategic pivots.",
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      "text": "Credit card market share based on total balances... (Source: Bank of England) | 85%+ LTV | Indicative market share estimated using Bank of England data...",
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      "text": "Simplified customer journeys; Enhanced risk and affordability models; Launch dual brand and open market strategy; Upgraded broker channel; Increased HLTV; Enhanced Premier/Blue; Automated credit; Sustainable lending; Accelerated digital",
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      "text": "Unsecured market share (Credit card 22% to 15%, Consumer loans 4% to 2%), Mortgages (6% HLTV vs 12-14% peer, 10% stock share), Business Banking (26% loan deposit ratio, 8% lending, 23% deposit)",
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