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  "documentTitle": "Barclays H12023 Results Presentation",
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  "notes": "Includes a line chart for historical loan loss rates and a stacked bar chart for credit impairment charges by segment (BUK, CC&P, CIB).",
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      "text": "Expect a loan loss rate of 50-60bps in 2023, based on the current macroeconomic outlook",
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      "text": "BUK: No impairment charge in Q222; Cards repayment rates remain high and delinquencies stable. CC&P: US cards average balance growth +27% YoY; Stage migration including acquired Gap portfolio. CIB: £13m impairment release in Q223.",
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      "text": "Includes Q223 contribution from acquisition of the $3.3bn Gap cards portfolio at the end of Q222",
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