{
  "docId": "019dd923-5e88-73ef-bd5b-f8de46614427",
  "docSlug": "54ca12311eccec32",
  "documentTitle": "Client Creditor Overview Q4 2023",
  "authorId": "DeutscheBank",
  "authorName": "Deutsche Bank",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "equity_research",
  "sourceTypeLabel": "Equity research",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 4,
  "pageCount": 44,
  "prevPage": 3,
  "nextPage": 5,
  "slideType": "kpi_dashboard",
  "function": "summarize",
  "density": "dense",
  "nDataPoints": 12,
  "notes": "The slide uses three distinct chart types to demonstrate financial health: a line chart for volatility, a bar chart for TBV growth, and a bar chart for pre-provision profit.",
  "elementsJson": [
    "headline_text",
    "line_chart",
    "bar_chart_vertical",
    "bullet_list",
    "logo_grid"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5e88-73ef-bd5b-f8de46614427/4",
  "deckHref": "/decks/019dd923-5e88-73ef-bd5b-f8de46614427",
  "deckJsonHref": "/decks/019dd923-5e88-73ef-bd5b-f8de46614427.json",
  "deckAnchorHref": "/decks/019dd923-5e88-73ef-bd5b-f8de46614427#slide-4",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "Sharpened operating model with four well-balanced and mutually-reinforcing businesses creating a capital-efficient, predictable revenue mix",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd952-163c-76ae-8c3b-665855304385",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.25,
        "x": 0.68,
        "y": 0.2
      },
      "kind": "chart",
      "text": "Improving profitability",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "bd3340d1-3c2a-4b40-b2c7-000af32f28b2",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.3,
        "x": 0.35,
        "y": 0.2
      },
      "kind": "chart",
      "text": "Growing TBV per share",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "e4fd620e-768a-4c1f-90ec-af07576c7131",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.3,
        "x": 0.03,
        "y": 0.2
      },
      "kind": "chart",
      "text": "Decreased volatility of revenues",
      "attrs": null,
      "subkind": "line",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "ecf42efb-ee42-4371-be1b-b5106f98903f",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.2,
        "w": 0.94,
        "x": 0.03,
        "y": 0.65
      },
      "kind": "list",
      "text": "Sharpened operating model with four well-balanced and mutually-reinforcing businesses creating a capital-efficient, predictable revenue mix; Increased profitability leading to tangible book value per share of € 30.17 in Q3 2025; Generating operating leverage of ~15% in 9M 2025 to drive higher returns, while significantly growing earnings",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "898b21bd-2a60-4195-a849-cd69a5b5f0fa",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Pre-provision profit: € 30.17",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd952-163c-76ae-8c3b-6a94664d19fb",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.6,
        "x": 0.03,
        "y": 0.05
      },
      "kind": "title",
      "text": "Improving profitability together with higher share of predictable revenues",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "8eb51a1d-fbc3-4f1e-8a1e-25b76e6b9cf6",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 5,
      "from": 3,
      "beatId": "17ebdf2f-25a8-4af0-88ca-cf8c6275d819",
      "arcName": "Monroe's Motivated Sequence",
      "arcSlug": "monroes-sequence",
      "beatName": "Need",
      "beatSlug": "monroes-sequence-need",
      "evidence": "The market landscape and KPI dashboard highlight the bank's current situation",
      "position": 1,
      "confidence": 0.8,
      "parentBeatName": "Complication",
      "parentBeatSlug": "complication"
    }
  ],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}