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  "notes": "The chart shows a spike in CoR during 2020 followed by a sharp decline and stabilization.",
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      "text": "Post COVID impairments exceptionally benign, partly driven by impairment releases. Conservative balance sheet, opportunity for selective risk taking. Currently 7-year average cost of risk is around 8bps. TTC CoR reflects historical low impairments.",
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      "text": "1) Excluding CB non-core",
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