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  "notes": "Includes footnote regarding Equity Duration calculation and scope of NII.",
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      "text": "Going forward, guidance will be based on commercial NII, which consists of: Client asset and client liability NII, for which margins and average volumes will be disclosed; Asset margin includes (predictable) result from Equity Duration; Other commercial NII, mainly Clearing and interest related fees (€350-€400m p.a.); Residual NII shown in Group Functions (volatile €0-€200m p.a.)",
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      "text": "1) Result from Equity Duration based on allocated equity (CET1 target 13.50% x RWA) at a 3-year rolling swap rate, adds c.20bps to asset margin at Q3 2025; 2) In both client asset and liability NII, no NII from loans to professional counterparties and deposits is taken into account",
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