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  "documentTitle": "Client Creditor Overview Q4 2023",
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      "text": "Provisions stable quarter on quarter, with the primary driver remaining the impact of Commercial Real Estate within the Investment Bank. Stage 1 and 2 provisions remain slightly elevated, largely attributable to effects stemming from model updates, partially offset by portfolio developments and improved macroeconomic indicators. Commercial Real Estate remains the key driver of Stage 3 provisions, albeit lower sequentially, while Corporate Bank and Private Bank were in line with expectations. Continue to anticipate lower provisioning levels in H2, primarily due to the expected absence of additional notable model effects impacting Stage 1 and 2",
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