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  "notes": "The chart shows capital use as a percentage of net profit, broken down by dividends, RWA growth, M&A, and SBB.",
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      "text": "RWA growth (add-ons) consumed significant capital\nCapital use in 2022 and 2023 above capital generation\nIn 2025 model landscape finalised and Basel IV implemented\nRWA turning point allows for change in capital deployment\nIn 2024 and 2025 two M&A transactions, in total 115bps capital impact\nCapital position to be reviewed in 2025 Q4 to assess potential room for further capital return",
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      "text": "1) Acquisition shown at time of announcement as any distribution decision following this announcement will take full potential capital impact already into account",
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      "text": "Optimise capital allocation",
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      "text": "Structural shift in capital deployment",
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