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  "notes": "The chart explicitly excludes the French cross-border matter impact from the main waterfall, addressing it separately in the text callouts.",
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      "text": "1 The extent and timing of RWA changes may vary... 2 Estimate includes FRTB, CVA, credit and operational risk...",
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      "text": "We expect more visibility on the timing and impact of the implementation of final Basel III rules between 2H22 and 1H23",
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