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  "documentTitle": "Q3 2024 Fixed Income Call presentation",
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  "notes": "LTV = loan-to-value, CLP = provision for credit losses. Data presented for Q3 2024 and 9M 2024.",
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      "text": "CLPs at elevated level driven primarily by office sector, but declining quarter over quarter",
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      "text": "Total loans € 477bn",
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      "text": "CRE portfolio by region Q3 2024",
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      "text": "Notes: LTV – loan-to-value, CLP – provision for credit losses; for footnotes refer to slides 39 and 40",
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      "text": "Non-recourse € 37bn – 8% of total loans; € 7bn lower risk; CRE higher risk loans € 30bn (6% of total loans, 64% LTV); IB € 20bn (66% LTV); CB € 6bn (55% LTV); Other € 4bn (67% LTV); Geographically diverse; Stress testing active; CLPs elevated.",
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