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  "documentTitle": "2026 Q1 Earnings Presentation 2",
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      "text": "Capital Return & Common Shares Outstanding",
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      "kind": "disclaimer",
      "text": "(1) Return on Average Equity is calculated by dividing annualized net income for the period by average shareholders' equity for the period. (2) Dividend per common share as of Q1'23 vs. Q1'26. (3) Net Income Returned to Common Shareholders is calculated as the total amount of capital returned to common shareholders through dividends and share repurchases divided by total capital generated through net income available to common shareholders from Q2'23 to Q1'26. Subtotals may not sum due to rounding.",
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      "text": "10.5%",
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      "text": "Net Income Returned to Common Shareholders: 74%",
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      "kind": "title",
      "text": "Capital",
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      "evidence": "Each stack labeled (Dividends/Share Repurchases) plus ROE row underneath.",
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      "evidence": "Specific numbers: '58% dividend increase', '74% returned', '10.5% CET1'.",
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      "evidence": "Stacked-bar capital-return pane + KPI block pane (58%/74%/10.5%).",
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      "evidence": "Revenue line items (p16) → Net Card Fees (p17) → Premium Lending (p18) → Total Revenues (p19) → Expenses (p20) → Capital (p21) → 2026 Guidance (p22).",
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