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  "notes": "PTI stands for Pre-Tax Income. SUB stands for Swiss Universal Bank. C/I ratio is Cost-to-Income ratio. RoRC is Return on Regulatory Capital.",
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      "text": "SUB pre-tax income in CHF bn",
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      "text": "† RoRC is a non-GAAP financial measure, see Appendix 1 9M19 includes CHF 98 mn related to the transfer of the InvestLab fund platform to Allfunds Group, recorded in SUB C&IC",
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      "text": "...9M19 has shown further PTI improvement...",
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