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  "documentTitle": "Client Creditor Overview Q4 2023",
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  "notes": "The slide uses a bar chart to show the downward trend of the CIR and a list of bullet points to explain the drivers of this performance.",
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      "text": "9M 2025 CIR in line at 63% with noninterest expenses declining by 8% year-on-year to € 15.4bn, in line with our full-year outlook.",
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      "text": "Achieved 95% of the operational efficiencies € 2.5bn target as of Q3 2025, enabling delivery of adjusted costs in line with plan and continuing to self-finance investments",
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