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The charge for loan impairment fell by $1 ,117 million, or 56 per cent, to $883 million. This was a result of improving economic conditions in most of our markets as well as our consistently robust risk management processes and underwriting standards. Consumer Banking also benefitted from a largely secured lending portfolio. The Wholesale Banking impairment charge, which was driven by a small number . | WHEREIS THE Wealth OF naTionS WHEREIS THE Wealth GF naTionS Measuring Capital for the 21st Century THE WORLD BANK Washington .