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  "documentTitle": "Client Creditor Overview Q3 2023 incl S&P update",
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      "text": "Significantly enhanced operating leverage driven by revenue growth and continued cost discipline: Absence of transformation-related effects; Targeted additional operational efficiencies; Reinvestment in business growth and buffer to combat inflation",
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      "text": "Adjusted costs essentially flat in Q3 vs. prior quarter despite absorbing inflationary pressures and investments into growth and controls. Key initiatives delivering in line with or ahead of plan including optimization of retail branch network, streamlining of front-to-back processes and headcount management. Additional measures further progressing, reaffirming € 2.5bn operational efficiency target.",
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