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  "documentTitle": "Client Creditor Overview August 2023",
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      "text": "Q2 2023 loss-absorbing capacity significantly above all regulatory requirements, with MREL remaining the most binding constraint. € 12bn MREL surplus down € 7bn quarter on quarter: € 4bn lower surplus from higher MREL requirement and general prior permissions becoming subject to deduction; € 2bn lower surplus from eligible liabilities losing MREL recognition with remaining maturity falling below one year; € 1bn lower surplus from senior non-preferred tender offer executed in May 2023. MREL buffer at comfortable level allowing us the flexibility to pause issuances of eligible instruments for around one year",
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