{
  "docId": "019dd923-5e88-73ef-bd5b-e3020cd07cee",
  "docSlug": "5855949745d158be",
  "documentTitle": "Barclays H12023 Results Presentation",
  "authorId": "Barclays",
  "authorName": "Barclays",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "equity_research",
  "sourceTypeLabel": "Equity research",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.445,
  "pageNumber": 13,
  "pageCount": 52,
  "prevPage": 12,
  "nextPage": 14,
  "slideType": "kpi_dashboard",
  "function": "summarize",
  "density": "overcrowded",
  "nDataPoints": 48,
  "notes": "The slide uses a split-view layout to compare UK and US credit card portfolios across three metrics: Net L&A, Total Coverage, and Arrears rates.",
  "elementsJson": [
    "headline_text",
    "bullet_list",
    "bar_chart_stacked",
    "line_chart",
    "footnote"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5e88-73ef-bd5b-e3020cd07cee/13",
  "deckHref": "/decks/019dd923-5e88-73ef-bd5b-e3020cd07cee",
  "deckJsonHref": "/decks/019dd923-5e88-73ef-bd5b-e3020cd07cee.json",
  "deckAnchorHref": "/decks/019dd923-5e88-73ef-bd5b-e3020cd07cee#slide-13",
  "components": [
    {
      "bbox": {
        "h": 0.25,
        "w": 0.45,
        "x": 0.03,
        "y": 0.35
      },
      "kind": "chart",
      "text": "UK cards Net L&A and coverage",
      "attrs": null,
      "subkind": "bar-stacked",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "941bfff9-b785-4cc0-aa5c-3a630ea23701",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.45,
        "x": 0.52,
        "y": 0.35
      },
      "kind": "chart",
      "text": "US cards Net L&A and coverage",
      "attrs": null,
      "subkind": "bar-stacked",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c7a195c4-b552-4ce0-8f71-929b1ba4c362",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.45,
        "x": 0.52,
        "y": 0.65
      },
      "kind": "chart",
      "text": "US cards arrears rates",
      "attrs": null,
      "subkind": "line",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "57fd22ee-040e-4c7b-b1e2-de15832a67ae",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.45,
        "x": 0.03,
        "y": 0.65
      },
      "kind": "chart",
      "text": "UK cards arrears rates",
      "attrs": null,
      "subkind": "line",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "732d7514-5df3-4116-a8d3-e7dbc8b7ffea",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.45,
        "x": 0.03,
        "y": 0.21
      },
      "kind": "list",
      "text": "Balances c.40% lower vs. FY19 with strong and stable credit quality; Repayment rates remain elevated across the risk spectrum; Q223 balance growth not driven by interest-earning lending",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "546b6ab5-147e-4475-ab46-4ab9970b7df3",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.07,
        "w": 0.45,
        "x": 0.52,
        "y": 0.21
      },
      "kind": "list",
      "text": "Controlled portfolio growth with improved risk mix; Improved >660 FICO score of 89% (FY19: 86%)",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "961efba7-0607-474e-bab9-6350f05f08bb",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Net L&A: 22.8",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd952-0a6d-758e-9b9d-0ee03de0456e",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.8,
        "x": 0.03,
        "y": 0.92
      },
      "kind": "source-note",
      "text": "The FICO Score is used by lenders to help make accurate, reliable, and fast credit risk decisions across the customer lifecycle. A FICO score >660 is defined as 'Prime+', which includes 'Prime' and 'Superprime'",
      "attrs": {
        "numbered": true
      },
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c209b543-29ae-47c1-83ee-c90c31450f36",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.8,
        "x": 0.03,
        "y": 0.07
      },
      "kind": "title",
      "text": "Long-term prudent risk positioning on our credit card portfolios",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "1be54134-c347-422a-8745-a6fe2c76016d",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "2x2 matrix",
      "slug": "matrix-2x2",
      "agent": null,
      "layer": "slide",
      "matchId": "b1ac4f43-e676-4e13-90ce-b5606d888523",
      "evidence": "chart/bar-stacked: US cards Net L&A and coverage",
      "confidence": 0.7
    },
    {
      "name": "Action Titles",
      "slug": "action-titles",
      "agent": "Architect",
      "layer": "slide",
      "matchId": "019dd95a-18fa-708b-8054-85fd6eae46c9",
      "evidence": "Title 'Long-term prudent risk positioning on our credit card portfolios'.",
      "confidence": 90
    },
    {
      "name": "Annotation",
      "slug": "annotation",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019dd95a-18fa-708b-8054-8cd9c86b5ca1",
      "evidence": "Each bar labelled with Net L&A and total/Stage 2 coverage values.",
      "confidence": 80
    },
    {
      "name": "Small Multiples",
      "slug": "small-multiples",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019dd95a-18fa-708b-8054-8a64cc6ba2b1",
      "evidence": "UK cards and US cards mirrored layouts with same chart structure.",
      "confidence": 95
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 24,
      "from": 8,
      "beatId": "019dd95a-07a6-74c7-9029-39e0f1d353b8",
      "arcName": "The Consultant's Gambit",
      "arcSlug": "consultants-gambit",
      "beatName": "Evidence & Proof",
      "beatSlug": "consultants-gambit-evidence-proof",
      "evidence": "P&L, credit, NIM, hedge, segments, capital/liquidity walkthrough.",
      "position": 4,
      "confidence": 70,
      "parentBeatName": "Evidence",
      "parentBeatSlug": "evidence"
    },
    {
      "to": 20,
      "from": 3,
      "beatId": "019dd95a-07a6-74c7-9029-40f428f12328",
      "arcName": "The Triple Take",
      "arcSlug": "triple-take",
      "beatName": "The Facts (What)",
      "beatSlug": "triple-take-the-facts-what",
      "evidence": "Headline KPIs and segment financial walkthrough.",
      "position": 1,
      "confidence": 55,
      "parentBeatName": "Setup",
      "parentBeatSlug": "setup"
    }
  ],
  "loops": [
    {
      "to": 15,
      "from": 11,
      "name": "Pattern Hunter",
      "slug": "02-pattern-hunter",
      "bestFor": "Time-pressed audiences, building consensus, when data is strong",
      "matchId": "019dd95a-08f7-737a-a003-9cc9cd6131bb",
      "evidence": "Coverage p11, LLR p12, cards p13, mortgage p14, CRE p15 — convergent prudence.",
      "position": 3,
      "objective": "Argue credit/risk discipline across portfolios",
      "structure": "Evidence A -> Evidence B -> Evidence C -> Pattern/Conclusion",
      "confidence": 80,
      "description": "Group multiple pieces of evidence that together point to a pattern or conclusion"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}