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  "documentTitle": "Client Creditor Overview Q3 2023 incl S&P update",
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      "text": "Refinancing risk remains main risk when loans with lower debt service coverage ratio and reduced collateral values reach maturity / extension dates, requiring sponsor equity contributions to qualify for refinancing.",
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      "text": "US CRE in scope of severe stress test: € 18bn - By types",
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      "text": "Office: € 8bn",
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      "text": "US office portfolio 1.5% of total loans and 23% of stress-tested portfolio; ~87% of office exposure in Class A properties; Average LTVs ~71%; € 0.3bn exposure with final maturities in remainder of 2023",
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