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   "value": "1200000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "fundingcircleholdingsplc:ProceedsFromSubleasesClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-333": {
   "value": "3600000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-334": {
   "value": "7200000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-335": {
   "value": "10200000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-336": {
   "value": "3700000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-337": {
   "value": "-33900000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-338": {
   "value": "44500000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-339": {
   "value": "221400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-340": {
   "value": "177700000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-341": {
   "value": "100000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-342": {
   "value": "-800000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-343": {
   "value": "187600000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-344": {
   "value": "221400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-347": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs4f\">1. Ma<span class=\"_ _0\"></span>ter<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unt<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g po<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs50\">General inf<span class=\"_ _1\"></span>ormation<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs51\">Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le H<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>gs pl<span class=\"_ _0\"></span>c (the \u201c<span class=\"_ _0\"></span>C<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>any<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) is a p<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>ic </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs52\">com<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny lim<span class=\"_ _0\"></span>ited by sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>, whi<span class=\"_ _0\"></span>ch is l<span class=\"_ _0\"></span>iste<span class=\"_ _0\"></span>d on th<span class=\"_ _0\"></span>e Lond<span class=\"_ _0\"></span>on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs53\">Stoc<span class=\"_ _0\"></span>k Exc<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge a<span class=\"_ _0\"></span>nd is d<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d and i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rated i<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs54\">the U<span class=\"_ _0\"></span>nite<span class=\"_ _0\"></span>d Ki<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>dom u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>es Act 20<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>6 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs55\">and r<span class=\"_ _0\"></span>egi<span class=\"_ _0\"></span>stere<span class=\"_ _0\"></span>d in Eng<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nd a<span class=\"_ _0\"></span>nd Wal<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he ad<span class=\"_ _0\"></span>dres<span class=\"_ _0\"></span>s of its </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs56\">reg<span class=\"_ _0\"></span>istere<span class=\"_ _0\"></span>d off<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ce is g<span class=\"_ _0\"></span>iven o<span class=\"_ _0\"></span>n pag<span class=\"_ _0\"></span>e 198<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs57\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al st<span class=\"_ _0\"></span>atements of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p for the yea<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>ded </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs58\">31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ise t<span class=\"_ _0\"></span>he C<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>any an<span class=\"_ _0\"></span>d its </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs59\">subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies (tog<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r referre<span class=\"_ _0\"></span>d to as the \u201c<span class=\"_ _0\"></span>G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u201d an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs5a\">individually<span class=\"_ _1\"></span> as \u201cGroup en<span class=\"_ _1\"></span>tities\u201d)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5b\"><span>The p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p and t<span class=\"_ _0\"></span>he natu<span class=\"_ _0\"></span>re of th<span class=\"_ _0\"></span>e </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5c\"><span>Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s ope<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s are as a fa<span class=\"_ _0\"></span>cil<span class=\"_ _0\"></span>itator of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ce for S<span class=\"_ _0\"></span>MEs<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs5d\">The principal account<span class=\"_ _1\"></span>ing policies applied in the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5e\">pre<span class=\"_ _0\"></span>par<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of the<span class=\"_ _0\"></span>se f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts are s<span class=\"_ _0\"></span>et out </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5f\">be<span class=\"_ _0\"></span>low. Thes<span class=\"_ _0\"></span>e pol<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ies h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n con<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>tently a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>lie<span class=\"_ _0\"></span>d to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs60\">al<span class=\"_ _0\"></span>l the yea<span class=\"_ _0\"></span>rs p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted, unl<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s othe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>wi<span class=\"_ _0\"></span>se stated<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3d ws3e gs61\">Going concern<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs62\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s togeth<span class=\"_ _0\"></span>er w<span class=\"_ _0\"></span>ith th<span class=\"_ _0\"></span>e fac<span class=\"_ _0\"></span>tors </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs63\">li<span class=\"_ _0\"></span>kely to affe<span class=\"_ _0\"></span>ct its f<span class=\"_ _0\"></span>uture d<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d po<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>re set </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs64\">out i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e Str<span class=\"_ _0\"></span>ategi<span class=\"_ _0\"></span>c Rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs65\">The f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>pare<span class=\"_ _0\"></span>d on a g<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>ng co<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs66\">bas<span class=\"_ _0\"></span>is as th<span class=\"_ _0\"></span>e Di<span class=\"_ _0\"></span>recto<span class=\"_ _0\"></span>rs are s<span class=\"_ _0\"></span>atis<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed th<span class=\"_ _0\"></span>at the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs67\">the re<span class=\"_ _0\"></span>sou<span class=\"_ _0\"></span>rces to co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nue i<span class=\"_ _0\"></span>n bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess fo<span class=\"_ _0\"></span>r the fore<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>eab<span class=\"_ _0\"></span>le </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs68\">futu<span class=\"_ _0\"></span>re (whi<span class=\"_ _0\"></span>ch has b<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en ta<span class=\"_ _0\"></span>ken as at le<span class=\"_ _0\"></span>ast 12 month<span class=\"_ _0\"></span>s from </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs69\">the d<span class=\"_ _0\"></span>ate of appr<span class=\"_ _0\"></span>oval of the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents). </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6a\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ma<span class=\"_ _0\"></span>de a total c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>ive expe<span class=\"_ _0\"></span>nse of \u00a30.3 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6b\">mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he year e<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 (<span class=\"_ _1\"></span>2023: </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6c\">expen<span class=\"_ _0\"></span>se of \u00a34<span class=\"_ _1\"></span>1.0 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on). As at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4, t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6d\">Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>d net as<span class=\"_ _0\"></span>sets of \u00a3216<span class=\"_ _0\"></span>.5 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a32<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>6.8 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6e\">mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on). This in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s \u00a3187<span class=\"_ _5\"></span>.6 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on of c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6f\">eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts (202<span class=\"_ _1\"></span>3: \u00a3221.<span class=\"_ _0\"></span>4 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) of whi<span class=\"_ _0\"></span>ch \u00a337<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs70\">(202<span class=\"_ _1\"></span>3: \u00a351.8 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on) is he<span class=\"_ _0\"></span>ld fo<span class=\"_ _0\"></span>r spe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c pu<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>oses a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs71\">is rest<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cted in u<span class=\"_ _0\"></span>se. Ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly<span class=\"_ _1\"></span>, wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the n<span class=\"_ _0\"></span>et ass<span class=\"_ _0\"></span>ets, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs72\">the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ho<span class=\"_ _0\"></span>lds \u00a353.<span class=\"_ _0\"></span>5 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a363.5 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on) of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs73\">invested c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l, so<span class=\"_ _0\"></span>me of wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>pab<span class=\"_ _0\"></span>le of b<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs74\">mo<span class=\"_ _0\"></span>netis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>f li<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y ne<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>s ari<span class=\"_ _0\"></span>se.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs75\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>d detai<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>low fore<span class=\"_ _0\"></span>cas<span class=\"_ _0\"></span>ts for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs76\">the n<span class=\"_ _0\"></span>ext 15 mo<span class=\"_ _0\"></span>nths to 30 J<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>e 2026 and ha<span class=\"_ _0\"></span>s up<span class=\"_ _0\"></span>dated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs77\">the g<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>ng co<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt to factor in t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>otentia<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs78\">ong<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct of inf<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>lated e<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs79\">The base<span class=\"_ _1\"></span> case scenario assumes:<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs7a\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>c envi<span class=\"_ _0\"></span>ron<span class=\"_ _0\"></span>ment re<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ins as i<span class=\"_ _0\"></span>s wit<span class=\"_ _0\"></span>h </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7b\">no im<span class=\"_ _0\"></span>provem<span class=\"_ _0\"></span>ent o<span class=\"_ _0\"></span>r deteri<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n in t<span class=\"_ _0\"></span>he ma<span class=\"_ _0\"></span>cro </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs7c\">env<span class=\"_ _1\"></span>ironment f<span class=\"_ _1\"></span>orecast;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs7d\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">launching and gr<span class=\"_ _1\"></span>owing short<span class=\"_ _1\"></span>-term<span class=\"_ _1\"></span> lending and non-<span class=\"_ _2d6\"> </span></span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs7e\">limited<span class=\"_ _1\"></span> com<span class=\"_ _0\"></span>pany<span class=\"_ _1\"></span> lending;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs7f\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">g<span class=\"_ _0\"></span>row<span class=\"_ _0\"></span>th in C<span class=\"_ _0\"></span>ash<span class=\"_ _0\"></span>bac<span class=\"_ _0\"></span>k cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>ard a<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs80\">of cre<span class=\"_ _0\"></span>dit; </div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs81\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up c<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>es to fun<span class=\"_ _0\"></span>d the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs82\">its b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e she<span class=\"_ _0\"></span>et al<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g wit<span class=\"_ _0\"></span>h the s<span class=\"_ _0\"></span>eni<span class=\"_ _0\"></span>or b<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g fac<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y;<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs84\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">c<span class=\"_ _0\"></span>osts a<span class=\"_ _0\"></span>re cont<span class=\"_ _0\"></span>rol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>h any grow<span class=\"_ _0\"></span>th d<span class=\"_ _0\"></span>rive<span class=\"_ _0\"></span>n by </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs85\">mar<span class=\"_ _0\"></span>ketin<span class=\"_ _0\"></span>g, expe<span class=\"_ _0\"></span>cted cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>ses (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>ECL<span class=\"_ _5\"></span>\u201d<span class=\"_ _0\"></span>) an<span class=\"_ _0\"></span>d cost </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs86\">of fun<span class=\"_ _0\"></span>ds. R<span class=\"_ _0\"></span>ema<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>osts g<span class=\"_ _0\"></span>row bu<span class=\"_ _0\"></span>t pre<span class=\"_ _0\"></span>dom<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>ntly </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs87\">thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h inf<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. Str<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>t cont<span class=\"_ _0\"></span>rol of h<span class=\"_ _0\"></span>eadc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt, wit<span class=\"_ _0\"></span>h </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs88\">limited<span class=\"_ _1\"></span> inc<span class=\"_ _0\"></span>rease<span class=\"_ _1\"></span>s;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs89\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">the curren<span class=\"_ _1\"></span>t share bu<span class=\"_ _1\"></span>yback programme<span class=\"_ _1\"></span> concludes in </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8a\">ear<span class=\"_ _0\"></span>ly 2025 wit<span class=\"_ _0\"></span>h no ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al b<span class=\"_ _0\"></span>uyba<span class=\"_ _0\"></span>ck o<span class=\"_ _0\"></span>r div<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs8b\">assumed<span class=\"_ _1\"></span>; and</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs8c\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">c<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ratio<span class=\"_ _0\"></span>n tax b<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>ins to b<span class=\"_ _0\"></span>e pai<span class=\"_ _0\"></span>d al<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>gsi<span class=\"_ _0\"></span>de ut<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8d\">bro<span class=\"_ _0\"></span>ught fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ward t<span class=\"_ _0\"></span>ax los<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8e\">Ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent pre<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>red a s<span class=\"_ _0\"></span>evere but p<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e downs<span class=\"_ _0\"></span>ide </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs8f\">scenario in which<span class=\"_ _1\"></span>:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs90\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsa ws9\">fur<span class=\"_ _0\"></span>ther<span class=\"_ _1\"></span> macroeconomic<span class=\"_ _1\"></span> volat<span class=\"_ _1\"></span>ility cont<span class=\"_ _1\"></span>inues thr<span class=\"_ _1\"></span>ough </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs91\">the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>h el<span class=\"_ _0\"></span>evated infl<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d interes<span class=\"_ _0\"></span>t rates </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs92\">redu<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns as b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower de<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>d for l<span class=\"_ _0\"></span>oans </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs93\">at hig<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r interes<span class=\"_ _0\"></span>t rates red<span class=\"_ _0\"></span>uce<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d investor fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs94\">appet<span class=\"_ _1\"></span>ite r<span class=\"_ _1\"></span>educes;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs95\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt retur<span class=\"_ _0\"></span>ns red<span class=\"_ _0\"></span>uce ow<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g to incre<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs96\">cost<span class=\"_ _0\"></span>s, wi<span class=\"_ _0\"></span>den<span class=\"_ _0\"></span>ing d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rates an<span class=\"_ _0\"></span>d deteri<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs97\">loan perf<span class=\"_ _1\"></span>ormance;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs98\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al event o<span class=\"_ _0\"></span>ccu<span class=\"_ _0\"></span>rs re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>iri<span class=\"_ _0\"></span>ng a c<span class=\"_ _0\"></span>ash </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs99\">out<span class=\"_ _0\"></span>lay in 2025;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs9a\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a dow<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de l<span class=\"_ _0\"></span>oss s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>io is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>lie<span class=\"_ _0\"></span>d to Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>ircl<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>\u2019s </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs9b\">on<span class=\"_ _0\"></span>-ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs9c\">hig<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r ini<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>l fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d lower c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs9d\">the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts it ow<span class=\"_ _0\"></span>ns co<span class=\"_ _0\"></span>mbi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>h the i<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs9e\">monetise<span class=\"_ _1\"></span> these;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs9f\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a re<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n in o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng intere<span class=\"_ _0\"></span>st in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me fro<span class=\"_ _0\"></span>m mo<span class=\"_ _0\"></span>ney </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsa0\">mar<span class=\"_ _0\"></span>ket fun<span class=\"_ _0\"></span>ds due to l<span class=\"_ _0\"></span>ower ca<span class=\"_ _0\"></span>sh ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gsa1\">stress; and</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gsa2\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a c<span class=\"_ _0\"></span>omb<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>iq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y ri<span class=\"_ _0\"></span>sk st<span class=\"_ _0\"></span>ress fo<span class=\"_ _0\"></span>r FlexiP<span class=\"_ _0\"></span>ay<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gsa3\">Management h<span class=\"_ _1\"></span>as re<span class=\"_ _1\"></span>viewed it<span class=\"_ _1\"></span>s regulat<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>y capital </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsa4\">req<span class=\"_ _0\"></span>uire<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts. I<span class=\"_ _0\"></span>n the d<span class=\"_ _0\"></span>owns<span class=\"_ _0\"></span>ide s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>io, the r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of ca<span class=\"_ _0\"></span>pita<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gsa5\">requiremen<span class=\"_ _1\"></span>t breach<span class=\"_ _1\"></span> is consider<span class=\"_ _1\"></span>ed remot<span class=\"_ _1\"></span>e. The<span class=\"_ _1\"></span> Group </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsa6\">doe<span class=\"_ _0\"></span>s not cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ntly re<span class=\"_ _0\"></span>ly o<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>tted o<span class=\"_ _0\"></span>r un<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>tte<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsa7\">bo<span class=\"_ _0\"></span>rrowi<span class=\"_ _0\"></span>ng fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies, w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he excepti<span class=\"_ _0\"></span>on of a fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsa8\">the p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>e of or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>ng Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsa9\">doe<span class=\"_ _0\"></span>s not have un<span class=\"_ _0\"></span>draw<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>tted b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rrowi<span class=\"_ _0\"></span>ng fa<span class=\"_ _0\"></span>cil<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsaa\">avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e to the w<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>r Gro<span class=\"_ _0\"></span>up.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsab\">The D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s have made e<span class=\"_ _0\"></span>nq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s of man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsac\">con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d bu<span class=\"_ _0\"></span>dget<span class=\"_ _0\"></span>s and c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ow forec<span class=\"_ _0\"></span>asts fo<span class=\"_ _0\"></span>r the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsad\">Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd have, at the t<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>e of app<span class=\"_ _0\"></span>rovin<span class=\"_ _0\"></span>g the<span class=\"_ _0\"></span>se f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsae\">statem<span class=\"_ _0\"></span>ents, a re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>le exp<span class=\"_ _0\"></span>ectat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n that th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsaf\">and t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p have ade<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ate resou<span class=\"_ _0\"></span>rces to co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsb0\">in o<span class=\"_ _0\"></span>per<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l existen<span class=\"_ _0\"></span>ce for th<span class=\"_ _0\"></span>e forese<span class=\"_ _0\"></span>eab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e futu<span class=\"_ _0\"></span>re, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsb1\">sp<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>lly a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ed for t<span class=\"_ _0\"></span>he 15 mo<span class=\"_ _0\"></span>nths to 30 Ju<span class=\"_ _0\"></span>ne 2026. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsb2\">Fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er deta<span class=\"_ _0\"></span>il i<span class=\"_ _0\"></span>s cont<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ategi<span class=\"_ _0\"></span>c Rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t o<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsb3\">pag<span class=\"_ _0\"></span>es 63 a<span class=\"_ _0\"></span>nd 6<span class=\"_ _0\"></span>4.<span class=\"_ _2d6\"> </span></div>Basis o<span class=\"_ _1\"></span>f preparat<span class=\"_ _1\"></span>ion<span class=\"_ _2d6\"> </span>The f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents have b<span class=\"_ _0\"></span>een p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>d in accordance with UK<span class=\"_ _5\"></span>-adopted In<span class=\"_ _1\"></span>ternational Accoun<span class=\"_ _1\"></span>ting Sta<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ards i<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y with t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>irem<span class=\"_ _0\"></span>ents of t<span class=\"_ _0\"></span>he Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>es Act 20<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>6 and t<span class=\"_ _0\"></span>he di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re gu<span class=\"_ _0\"></span>ida<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e and tra<span class=\"_ _0\"></span>nsp<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>ncy r<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>es so<span class=\"_ _0\"></span>urce<span class=\"_ _0\"></span>bo<span class=\"_ _0\"></span>ok of th<span class=\"_ _0\"></span>e Un<span class=\"_ _0\"></span>ited K<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gdo<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>\u2019s Financial Conduct Authority<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>The f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents have b<span class=\"_ _0\"></span>een p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>d on the h<span class=\"_ _0\"></span>istor<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ost ba<span class=\"_ _0\"></span>sis except fo<span class=\"_ _0\"></span>r cer<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts that a<span class=\"_ _0\"></span>re ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s (\u201c<span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>PL<span class=\"_ _5\"></span>\u201d).<span class=\"_ _2d6\"> </span>The p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>arat<span class=\"_ _0\"></span>ion of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ires t<span class=\"_ _0\"></span>he use of c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates. It a<span class=\"_ _0\"></span>lso r<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>s man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt to exercise i<span class=\"_ _0\"></span>ts ju<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>s of applying<span class=\"_ _1\"></span> the Group\u2019s accoun<span class=\"_ _1\"></span>ting policies. Changes in as<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>ons m<span class=\"_ _0\"></span>ay have a sign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct on t<span class=\"_ _0\"></span>he fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al state<span class=\"_ _0\"></span>ments i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e year th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>. Management<span class=\"_ _1\"></span> believes<span class=\"_ _1\"></span> that t<span class=\"_ _1\"></span>he underlying assump<span class=\"_ _1\"></span>tions are a<span class=\"_ _0\"></span>ppr<span class=\"_ _0\"></span>opr<span class=\"_ _0\"></span>iate. Th<span class=\"_ _0\"></span>e area<span class=\"_ _0\"></span>s involv<span class=\"_ _0\"></span>ing a h<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r deg<span class=\"_ _0\"></span>ree of ju<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt or co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>lexit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, o<span class=\"_ _0\"></span>r area<span class=\"_ _0\"></span>s whe<span class=\"_ _0\"></span>re ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns and e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates are s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant to the f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents, are di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in n<span class=\"_ _0\"></span>ote 2<span class=\"_ _2d6\"> </span>.<span class=\"_ _2d6\"> </span>Significant ch<span class=\"_ _1\"></span>anges in the<span class=\"_ _1\"></span> current r<span class=\"_ _1\"></span>epor<span class=\"_ _0\"></span>ting y<span class=\"_ _1\"></span>ear<span class=\"_ _2d6\"> </span>The f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up we<span class=\"_ _0\"></span>re affe<span class=\"_ _0\"></span>cted by the fo<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owin<span class=\"_ _0\"></span>g events an<span class=\"_ _0\"></span>d tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ons d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing the yea<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>ded 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ber 2024:<span class=\"_ _2d6\"> </span>i) S<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e of the U<span class=\"_ _0\"></span>S bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span>As was p<span class=\"_ _0\"></span>revio<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ly an<span class=\"_ _0\"></span>nou<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023 fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al res<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up so<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>ht to divest of th<span class=\"_ _0\"></span>e US bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>. A co<span class=\"_ _0\"></span>mpet<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ve bid p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ess wa<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>aken wi<span class=\"_ _0\"></span>th interes<span class=\"_ _0\"></span>ted pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s and a s<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt was sig<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d on 24 June 2024 to sell th<span class=\"_ _0\"></span>e bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess to i<span class=\"_ _0\"></span>Bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng, LLC and co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>leti<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>ccu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d on 1 J<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>y 202<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>. As a res<span class=\"_ _0\"></span>ult of the s<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e of the U<span class=\"_ _0\"></span>S Bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess U<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>, the b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>ets rel<span class=\"_ _0\"></span>ated to the US we<span class=\"_ _0\"></span>re co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d to form a dis<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>al G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 5 N<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>Cur<span class=\"_ _0\"></span>rent A<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets He<span class=\"_ _0\"></span>ld For<span class=\"_ _1\"></span> Sale and Dis<span class=\"_ _1\"></span>continued<span class=\"_ _1\"></span> Operations.<span class=\"_ _1\"></span> The opera<span class=\"_ _1\"></span>tions o<span class=\"_ _1\"></span>f the U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n disc<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> separat<span class=\"_ _1\"></span>ely as a dis<span class=\"_ _0\"></span>cont<span class=\"_ _0\"></span>inu<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on, a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>arat<span class=\"_ _0\"></span>ive year res<span class=\"_ _1\"></span>tat<span class=\"_ _1\"></span>ed. Deta<span class=\"_ _1\"></span>ils rela<span class=\"_ _1\"></span>ted<span class=\"_ _1\"></span> to th<span class=\"_ _1\"></span>e discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions ca<span class=\"_ _0\"></span>n be fou<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>n note 3.<span class=\"_ _2d6\"> </span>ii) Simplificat<span class=\"_ _1\"></span>ion and st<span class=\"_ _1\"></span>reamlining of<span class=\"_ _1\"></span> UK business<span class=\"_ _2d6\"> </span>As pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of it<span class=\"_ _0\"></span>s ong<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>ng co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>itm<span class=\"_ _0\"></span>ent to prof<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up l<span class=\"_ _0\"></span>aun<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>ed a re<span class=\"_ _0\"></span>dun<span class=\"_ _0\"></span>dan<span class=\"_ _0\"></span>cy an<span class=\"_ _0\"></span>d cost ef<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ien<span class=\"_ _0\"></span>cy pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. N<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-re<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>osts to ach<span class=\"_ _0\"></span>ieve thes<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>es have b<span class=\"_ _0\"></span>een re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>d as exceptio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l items<span class=\"_ _0\"></span>. Se<span class=\"_ _0\"></span>e note 4<span class=\"_ _2d6\"> </span><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gsdc\">iii) Launch<span class=\"_ _1\"></span> of share<span class=\"_ _1\"></span> buyback pr<span class=\"_ _1\"></span>ogramme<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gsdd\">As was<span class=\"_ _1\"></span> previously announced<span class=\"_ _1\"></span>, the Group commenced </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsde\">a sha<span class=\"_ _0\"></span>re bu<span class=\"_ _0\"></span>yba<span class=\"_ _0\"></span>ck p<span class=\"_ _0\"></span>rogr<span class=\"_ _0\"></span>am<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>n Marc<span class=\"_ _0\"></span>h 2024 t<span class=\"_ _1\"></span>o b<span class=\"_ _0\"></span>uy a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsdf\">ca<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>l up to \u00a325 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on of sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n or<span class=\"_ _0\"></span>der to retur<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gse0\">valu<span class=\"_ _0\"></span>e to sha<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>nal c<span class=\"_ _0\"></span>ost of th<span class=\"_ _0\"></span>e sha<span class=\"_ _0\"></span>res </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gse1\">ca<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed re<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>re ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal w<span class=\"_ _0\"></span>ith a<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gse2\">eq<span class=\"_ _0\"></span>ual i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al red<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve. Th<span class=\"_ _0\"></span>e ful<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gse3\">cost of t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>uyba<span class=\"_ _0\"></span>ck i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lus<span class=\"_ _0\"></span>ive of sta<span class=\"_ _0\"></span>mp du<span class=\"_ _0\"></span>ty a<span class=\"_ _0\"></span>nd b<span class=\"_ _0\"></span>roker </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gse4\">fees is d<span class=\"_ _0\"></span>ebi<span class=\"_ _0\"></span>ted to retain<span class=\"_ _0\"></span>ed e<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>gs. T<span class=\"_ _0\"></span>his p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>mme </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gse5\">was co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>leted o<span class=\"_ _0\"></span>n 15 Octob<span class=\"_ _0\"></span>er 2024 with th<span class=\"_ _0\"></span>e pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gse6\">of 27<span class=\"_ _5\"></span>,30<span class=\"_ _0\"></span>8,339 o<span class=\"_ _0\"></span>rdi<span class=\"_ _0\"></span>nar<span class=\"_ _2\"></span>y share<span class=\"_ _0\"></span>s, an<span class=\"_ _0\"></span>d the p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>me wa<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gse7\">exten<span class=\"_ _0\"></span>ded to u<span class=\"_ _0\"></span>p to a fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er \u00a325 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on of s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s. I<span class=\"_ _0\"></span>n the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gse8\">year to 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024, 33.5 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on sh<span class=\"_ _0\"></span>ares we<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gse9\">pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>sed for c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion of \u00a333<span class=\"_ _0\"></span>.7 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ve of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gsea\">fee<span class=\"_ _1\"></span>s and e<span class=\"_ _1\"></span>xpenses under<span class=\"_ _1\"></span> the programme r<span class=\"_ _1\"></span>epresent<span class=\"_ _1\"></span>ing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gseb\">9.3% of the c<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>p sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>. 0.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n of the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsec\">pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>sed s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res were p<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g ca<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n as at 31 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsed\">De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>. Se<span class=\"_ _0\"></span>e notes 17 and 20.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls3e ws3f gsee\">iv)<span class=\"_ _1\"></span> Capita<span class=\"_ _0\"></span>l reduction<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsef\">In N<span class=\"_ _0\"></span>ovembe<span class=\"_ _0\"></span>r 2024, share<span class=\"_ _0\"></span>hol<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rs ap<span class=\"_ _0\"></span>proved a c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsf0\">redu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on at a g<span class=\"_ _0\"></span>ene<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>l me<span class=\"_ _0\"></span>etin<span class=\"_ _0\"></span>g he<span class=\"_ _0\"></span>ld by th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _1\"></span>, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsf1\">be<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>re am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt stan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsf2\">to credi<span class=\"_ _0\"></span>t th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>miu<span class=\"_ _0\"></span>m ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt. Th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gsf3\">capital<span class=\"_ _1\"></span> reducti<span class=\"_ _1\"></span>on process<span class=\"_ _1\"></span> was com<span class=\"_ _1\"></span>pleted<span class=\"_ _1\"></span> in December<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsf4\">202<span class=\"_ _1\"></span>4 a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>ted in t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e sha<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsf5\">pre<span class=\"_ _0\"></span>miu<span class=\"_ _0\"></span>m an<span class=\"_ _0\"></span>d creat<span class=\"_ _0\"></span>ion of a<span class=\"_ _0\"></span>ccu<span class=\"_ _0\"></span>mu<span class=\"_ _0\"></span>lated p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsf6\">statem<span class=\"_ _0\"></span>ent of ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y by \u00a3293.5 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gsf7\">increased </div><div class=\"t m7 h7 ff4 fs4 fc5 sc0 ls44 ws2 gsf8\">the d<span class=\"_ _0\"></span>istr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>utab<span class=\"_ _0\"></span>le r<span class=\"_ _0\"></span>ese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ves of the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny to help<span class=\"_ _0\"></span> </div><div class=\"t m7 h7 ff4 fs4 fc5 sc0 lsb8 wsb6 gsf9\">facilitat<span class=\"_ _1\"></span>e</div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsfa\"> on<span class=\"_ _0\"></span>goi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l acti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s and retu<span class=\"_ _0\"></span>rn of va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsfb\">sha<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s. S<span class=\"_ _0\"></span>ee n<span class=\"_ _0\"></span>otes 18 and 20.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls2 ws2 gsfc\">v) Mod<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on to U<span class=\"_ _0\"></span>K of<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ce l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsfd\">Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng Feb<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y 2024, the G<span class=\"_ _0\"></span>roup s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ned a<span class=\"_ _0\"></span>n ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsfe\">to modi<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>y the ter<span class=\"_ _0\"></span>ms of it<span class=\"_ _0\"></span>s lea<span class=\"_ _0\"></span>se on t<span class=\"_ _0\"></span>he t<span class=\"_ _0\"></span>wo level<span class=\"_ _0\"></span>s of the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsff\">UK of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ice p<span class=\"_ _0\"></span>revio<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ly expi<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng in M<span class=\"_ _0\"></span>arc<span class=\"_ _0\"></span>h 2025, sho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>teni<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs100\">one to expi<span class=\"_ _0\"></span>re in J<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>e 202<span class=\"_ _1\"></span>4 a<span class=\"_ _0\"></span>nd ex<span class=\"_ _0\"></span>tendi<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he oth<span class=\"_ _0\"></span>er to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs101\">Ma<span class=\"_ _0\"></span>rch 2035 wi<span class=\"_ _0\"></span>th ter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n opti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s in Ma<span class=\"_ _0\"></span>rch 203<span class=\"_ _0\"></span>0. Both </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs102\">were ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unted for as a l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n. S<span class=\"_ _0\"></span>ee n<span class=\"_ _0\"></span>ote 1<span class=\"_ _1\"></span>1 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsba wsb7 gs103\">for de<span class=\"_ _1\"></span>tails<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs104\">vi) In<span class=\"_ _1\"></span>vest<span class=\"_ _1\"></span>ment in t<span class=\"_ _1\"></span>rust and co-in<span class=\"_ _1\"></span>ves<span class=\"_ _1\"></span>tment tran<span class=\"_ _1\"></span>sactions </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs105\">Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>es invested i<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>usts i<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs106\">whi<span class=\"_ _0\"></span>ch Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e is a mi<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investor s<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs107\">lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets to a thi<span class=\"_ _0\"></span>rd pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y and Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs108\">re-<span class=\"_ _0\"></span>invested a<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>e the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs109\">tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on, t<span class=\"_ _0\"></span>he net c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ows from t<span class=\"_ _0\"></span>he invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt were </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs10a\">real<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d a net fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain of \u00a32<span class=\"_ _0\"></span>.2 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n was </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs10b\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs10c\">statem<span class=\"_ _0\"></span>ent of co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rehe<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e. The c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows relate<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs10d\">to the tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>sented n<span class=\"_ _0\"></span>et wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n \u201cC<span class=\"_ _0\"></span>ash re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>pts<span class=\"_ _0\"></span> </div><div class=\"t m3 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs10e\">from i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>\u201d in t<span class=\"_ _0\"></span>he statem<span class=\"_ _0\"></span>ent<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs10f\">of cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows, refl<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g the n<span class=\"_ _0\"></span>et set<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt of the re<span class=\"_ _0\"></span>ali<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs110\">and r<span class=\"_ _0\"></span>e-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>. Se<span class=\"_ _0\"></span>e note 16.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs112\">vii) Launch<span class=\"_ _1\"></span> of Cash<span class=\"_ _1\"></span>back business<span class=\"_ _1\"></span> credit card<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs113\">Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year th<span class=\"_ _0\"></span>e Cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ca<span class=\"_ _0\"></span>rd pr<span class=\"_ _0\"></span>odu<span class=\"_ _0\"></span>ct was </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs114\">lau<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>d offer<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>rs th<span class=\"_ _0\"></span>e abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty to sp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>d ag<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>st </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs115\">the<span class=\"_ _0\"></span>ir c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t li<span class=\"_ _0\"></span>mit a<span class=\"_ _0\"></span>nd ea<span class=\"_ _0\"></span>rn c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck o<span class=\"_ _0\"></span>n this s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>ith </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs116\">an i<span class=\"_ _0\"></span>ntrodu<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>y r<span class=\"_ _0\"></span>ate of 2% reduc<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g to 1<span class=\"_ _1\"></span>% af<span class=\"_ _0\"></span>ter si<span class=\"_ _0\"></span>x </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs117\">mo<span class=\"_ _0\"></span>nths. T<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers q<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>lif<span class=\"_ _0\"></span>y for c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck if t<span class=\"_ _0\"></span>hey </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs118\">eit<span class=\"_ _0\"></span>her re<span class=\"_ _0\"></span>pay th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>rd sp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>d in fu<span class=\"_ _0\"></span>ll, o<span class=\"_ _0\"></span>r ma<span class=\"_ _0\"></span>ke a mini<span class=\"_ _0\"></span>mu<span class=\"_ _0\"></span>m </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs119\">repay<span class=\"_ _0\"></span>ment by th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r bi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>ng date. B<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers w<span class=\"_ _0\"></span>ho re<span class=\"_ _0\"></span>pay </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs11a\">the b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e in fu<span class=\"_ _0\"></span>ll d<span class=\"_ _0\"></span>o not in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>r interes<span class=\"_ _0\"></span>t cha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>s, whi<span class=\"_ _0\"></span>le </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs11b\">any bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>rs wh<span class=\"_ _0\"></span>o do not p<span class=\"_ _0\"></span>ay the c<span class=\"_ _0\"></span>ard s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>nd b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs11c\">in fu<span class=\"_ _0\"></span>ll w<span class=\"_ _0\"></span>ill b<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>nterest o<span class=\"_ _0\"></span>n the d<span class=\"_ _0\"></span>rawn b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs11d\">The c<span class=\"_ _0\"></span>ash<span class=\"_ _0\"></span>ba<span class=\"_ _0\"></span>ck is n<span class=\"_ _0\"></span>etted a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>t the b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers<span class=\"_ _0\"></span>\u2019 c<span class=\"_ _0\"></span>ard </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs11e\">sp<span class=\"_ _0\"></span>end b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e du<span class=\"_ _0\"></span>e. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es interc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs11f\">fee in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e on t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ard s<span class=\"_ _0\"></span>pen<span class=\"_ _0\"></span>d of c.1.<span class=\"_ _1\"></span>75% rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs120\">in tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n fee in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e. \u00a30.3 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of interc<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs121\">fee in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e (2023: \u00a3<span class=\"_ _1\"></span>n<span class=\"_ _0\"></span>il) was re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the yea<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs122\">gros<span class=\"_ _0\"></span>s of cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck p<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d to the bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>r is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs123\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as a re<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>acti<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs124\">IFR<span class=\"_ _0\"></span>S 15 as it is c<span class=\"_ _0\"></span>ash s<span class=\"_ _0\"></span>ett<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d in natu<span class=\"_ _0\"></span>re an<span class=\"_ _0\"></span>d is pre<span class=\"_ _0\"></span>sente<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs125\">net<span class=\"_ _0\"></span>ted ag<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>st th<span class=\"_ _0\"></span>e interch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me, wh<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>e intere<span class=\"_ _0\"></span>st </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs126\">ear<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d on c<span class=\"_ _0\"></span>ard b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ich revo<span class=\"_ _0\"></span>lve is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs127\">wit<span class=\"_ _0\"></span>hin i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ome i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated statem<span class=\"_ _0\"></span>ent of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs128\">comprehensi<span class=\"_ _1\"></span>ve income.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs129\">Changes in<span class=\"_ _1\"></span> accounting<span class=\"_ _1\"></span> policy and<span class=\"_ _1\"></span> disclosures<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs12a\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has a<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>pted the fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing n<span class=\"_ _0\"></span>ew an<span class=\"_ _0\"></span>d am<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs12b\">IFR<span class=\"_ _0\"></span>Ss an<span class=\"_ _0\"></span>d inter<span class=\"_ _0\"></span>pretat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns from 1 J<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>uar<span class=\"_ _2\"></span>y 202<span class=\"_ _1\"></span>4. </div><div class=\"gs12c\"><table class=\"s w17d h9c\" id=\"_3c80c4a8-f2ee-4ec6-9281-1203ed562d60\"><tr><td></td><td></td><td class=\"t m0 x372 h35 y28a3 ff4 fs19 fc5 sc0 lse5 wsde\">Applicable<span class=\"_ _1\"></span> for<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x373 h35 y28a4 ff4 fs19 fc5 sc0 lsd0 wsc7\">financial y<span class=\"_ _1\"></span>ears</td></tr><tr><td></td><td></td><td class=\"t m0 x374 h35 y28a5 ff4 fs19 fc5 sc0 lsd1 wsc8\"> beginning<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y28a6 w17a h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls101 wsfa\">Standard/<span class=\"_ _0\"></span>interpretation<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x36c y28a6 w17b h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">C<span class=\"_ _0\"></span>ontent<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x375 h35 y28a7 ff4 fs19 fc5 sc0 ls108 ws101\">on<span class=\"_ _0\"></span>/af<span class=\"_ _0\"></span>ter<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28a8 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 1 \u2013 </td><td class=\"t m0 x376 hd y28a8 ff4 fs6 fc5 sc0 ls2 ws2\">Pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of </td><td class=\"t m0 x377 hd y28a8 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28a9 ff4 fs6 fc5 sc0 ls1e ws26\">Classification of<span class=\"_ _1\"></span> Liabilities </td><td class=\"t m0 x376 hd y28a9 ff4 fs6 fc5 sc0 lsfe wsf7\">financial </td><td class=\"t m0 x378 hd y28a9 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28aa ff4 fs6 fc5 sc0 ls2 ws2\">as Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt or N<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x376 hd y28aa ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d hd y28ab ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 1 \u2013  </td><td class=\"t m0 x376 hd y28ab ff4 fs6 fc5 sc0 ls2 ws2\">Pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of </td><td class=\"t m0 x377 hd y28ab ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28ac ff4 fs6 fc5 sc0 ls2 ws2\">No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ent Li<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>es wi<span class=\"_ _0\"></span>th </td><td class=\"t m0 x376 hd y28ac ff4 fs6 fc5 sc0 lsfe wsf7\">financial </td><td class=\"t m0 x378 hd y28ac ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28ad ff4 fs6 fc5 sc0 lsd4 wscb\">Cove<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x376 hd y28ad ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d hd y28ae ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 12 \u2013 </td><td class=\"c n x379 y28af w17e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lse2 wsdb\">Ta<span class=\"_ _2\"></span>x<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x37a y28af w17f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y28b0 ff4 fs6 fc5 sc0 ls2 ws2\">Inter<span class=\"_ _0\"></span>nat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal T<span class=\"_ _1\"></span>ax R<span class=\"_ _0\"></span>efor<span class=\"_ _0\"></span>m \u2013 </td><td></td><td class=\"t m0 x378 hd y28b0 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b1 ff4 fs6 fc5 sc0 ls2 ws2\">Pil<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r T<span class=\"_ _1\"></span>wo Mod<span class=\"_ _0\"></span>el R<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28b2 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 1 Ge<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>l </td><td class=\"t m0 x376 hd y28b2 ff4 fs6 fc5 sc0 lsfe wsf7\">Sustainability </td><td class=\"t m0 x377 hd y28b2 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b3 ff4 fs6 fc5 sc0 ls15 ws14\">Requiremen<span class=\"_ _1\"></span>ts f<span class=\"_ _1\"></span>or Disclosure<span class=\"_ _1\"></span> </td><td class=\"t m0 x376 hd y28b3 ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 hd y28b3 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b4 ff4 fs6 fc5 sc0 ls2 ws2\">of Sus<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y-<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>ated </td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28b5 ff4 fs6 fc5 sc0 ls13 ws12\">Financial<span class=\"_ _1\"></span> Inf<span class=\"_ _1\"></span>ormation<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28b6 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S S2 Cl<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ate-<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>ated </td><td class=\"t m0 x376 hd y28b6 ff4 fs6 fc5 sc0 lsfe wsf7\">Sustainability </td><td class=\"t m0 x377 hd y28b6 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b7 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x376 hd y28b7 ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 hd y28b7 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b8 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 7 an<span class=\"_ _0\"></span>d </td><td class=\"t m0 x376 hd y28b8 ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x377 hd y28b8 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b9 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 7 \u2013 Su<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>er Fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e </td><td class=\"t m0 x376 hd y28b9 ff4 fs6 fc5 sc0 ls15 ws14\">instrumen<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 hd y28b9 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28ba ff4 fs6 fc5 sc0 ls17 ws16\">Arrangements<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28bb ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>FRS 16 \u2013 </td><td class=\"c n x379 y28bc w180 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Leases<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x37b y28bc w181 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w182 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">Lease L<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y in a S<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Lease<span class=\"_ _1\"></span>bac<span class=\"_ _0\"></span>k<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"t m0 x378 hd y28be ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs12d\">The a<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>ndm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>retatio<span class=\"_ _0\"></span>ns li<span class=\"_ _0\"></span>sted ab<span class=\"_ _0\"></span>ove did n<span class=\"_ _0\"></span>ot </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs12e\">materi<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly af<span class=\"_ _0\"></span>fect t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt year an<span class=\"_ _0\"></span>d are n<span class=\"_ _0\"></span>ot expe<span class=\"_ _0\"></span>cted to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs12f\">mat<span class=\"_ _1\"></span>erially aff<span class=\"_ _1\"></span>ect futur<span class=\"_ _1\"></span>e years<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs131\">Ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n new a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng st<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>ards a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>retatio<span class=\"_ _0\"></span>ns </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs132\">have be<span class=\"_ _0\"></span>en pu<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ish<span class=\"_ _0\"></span>ed t<span class=\"_ _0\"></span>hat are n<span class=\"_ _0\"></span>ot man<span class=\"_ _0\"></span>dator<span class=\"_ _0\"></span>y for 31 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs133\">De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng yea<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d have not b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n ear<span class=\"_ _0\"></span>ly </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs134\">ado<span class=\"_ _0\"></span>pted by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span></div><div class=\"gs135\"><table class=\"s w179 h9b\" id=\"_d945e9f5-fb40-44bf-a7b4-a6e8cfb03a05\"><tr><td></td><td></td><td class=\"t m0 x369 h35 y2891 ff4 fs19 fc5 sc0 lse5 wsde\">Applicable<span class=\"_ _1\"></span> for<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x36a h35 y2892 ff4 fs19 fc5 sc0 lsd0 wsc7\">financial y<span class=\"_ _1\"></span>ears</td></tr><tr><td></td><td></td><td class=\"t m0 x36b h35 y2893 ff4 fs19 fc5 sc0 lsd1 wsc8\"> beginning<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2895 w17a h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls101 wsfa\">Standard/<span class=\"_ _0\"></span>interpretation<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x36c y2895 w17b h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">C<span class=\"_ _0\"></span>ontent<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x36d h35 y2896 ff4 fs19 fc5 sc0 ls108 ws101\">on<span class=\"_ _0\"></span>/af<span class=\"_ _0\"></span>ter<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y2897 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 21 \u2013 </td><td class=\"t m0 x36f hd y2897 ff4 fs6 fc5 sc0 ls1e ws26\">Foreign<span class=\"_ _1\"></span> </td><td class=\"t m0 x370 hd y2897 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y2898 ff4 fs6 fc5 sc0 lsc wsb\">Lack o<span class=\"_ _1\"></span>f Exchangeability<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x36f hd y2898 ff4 fs6 fc5 sc0 ls17 ws16\">ex<span class=\"_ _1\"></span>change rat<span class=\"_ _1\"></span>es</td><td class=\"t m0 x371 hd y2898 ff4 fs6 fc5 sc0 ls8a ws86\"> 2025<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y2899 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ent to IFR<span class=\"_ _0\"></span>S 9 an<span class=\"_ _0\"></span>d </td><td class=\"t m0 x36f hd y2899 ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x370 hd y2899 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c x1c5 y289a w17c h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 7 \u2013 Cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent of Fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x36f hd y289b ff4 fs6 fc5 sc0 ls15 ws14\">instrumen<span class=\"_ _1\"></span>ts</td><td class=\"t m0 x371 hd y289b ff4 fs6 fc5 sc0 ls53 ws6d\"> 2026<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y289c ff4 fs6 fc5 sc0 ls15 ws14\">Instrumen<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x36e hd y289d ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 18 Pres<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d </td><td class=\"t m0 x36f hd y289d ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x370 hd y289d ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y289e ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ure i<span class=\"_ _0\"></span>n Fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al </td><td class=\"t m0 x36f hd y289e ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s </td><td class=\"t m0 x371 hd y289e ff4 fs6 fc5 sc0 ls34 ws35\"> 2027<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y289f ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ateme<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x36f hd y289f ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x36e hd y28a0 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 19 Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es wi<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>out </td><td class=\"t m0 x36f hd y28a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x370 hd y28a0 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y28a1 ff4 fs6 fc5 sc0 ls15 ws14\">Public<span class=\"_ _1\"></span> Accountability<span class=\"_ _1\"></span>: </td><td class=\"t m0 x36f hd y28a1 ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s </td><td class=\"t m0 x371 hd y28a1 ff4 fs6 fc5 sc0 ls34 ws35\"> 2027<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y28a2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x36f hd y28a2 ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs136\">Wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e excepti<span class=\"_ _0\"></span>on of I<span class=\"_ _0\"></span>FRS 18, th<span class=\"_ _0\"></span>ese st<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>dards a<span class=\"_ _0\"></span>re not </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs137\">expec<span class=\"_ _0\"></span>ted to have a materi<span class=\"_ _0\"></span>al im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct on t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs138\">the c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent or f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng yea<span class=\"_ _0\"></span>rs o<span class=\"_ _0\"></span>r on fore<span class=\"_ _0\"></span>see<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa9 ws8c gs139\">future transact<span class=\"_ _0\"></span>ions.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs13a\">IFR<span class=\"_ _0\"></span>S 18 was iss<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d in A<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>il 2024 and i<span class=\"_ _0\"></span>s effec<span class=\"_ _0\"></span>tive for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs13b\">pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>ds b<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>inn<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g on o<span class=\"_ _0\"></span>r after 1 J<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>uar<span class=\"_ _0\"></span>y 2027<span class=\"_ _5\"></span>. Ea<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs13c\">ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion i<span class=\"_ _0\"></span>s pe<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ted an<span class=\"_ _0\"></span>d com<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ves wil<span class=\"_ _0\"></span>l req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs13d\">restatem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>. The st<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>dard w<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l rep<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e IA<span class=\"_ _0\"></span>S 1 Prese<span class=\"_ _0\"></span>ntati<span class=\"_ _0\"></span>on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs13e\">of Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l Statem<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>. It wi<span class=\"_ _0\"></span>ll n<span class=\"_ _0\"></span>ot cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e how item<span class=\"_ _0\"></span>s are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs13f\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d bu<span class=\"_ _0\"></span>t wi<span class=\"_ _0\"></span>ll focu<span class=\"_ _0\"></span>s on t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs140\">statem<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ing of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs141\">sp<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>lly, class<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me a<span class=\"_ _0\"></span>nd expe<span class=\"_ _0\"></span>nse<span class=\"_ _0\"></span>s into thre<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs142\">new def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>atego<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es \u2013 \u201cop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>\u201d<span class=\"_ _1\"></span>, \u201c<span class=\"_ _0\"></span>investi<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>\u201d a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs143\">\u201c<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>\u201d<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>wo new su<span class=\"_ _0\"></span>btotals \u2013 \u201cop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g prof<span class=\"_ _0\"></span>it </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs144\">and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s\u201d a<span class=\"_ _0\"></span>nd \u201c<span class=\"_ _0\"></span>prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s before f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs145\">tax<span class=\"_ _0\"></span>\u201d<span class=\"_ _1\"></span>, i<span class=\"_ _0\"></span>ntrod<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>ing d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>los<span class=\"_ _0\"></span>ures of m<span class=\"_ _0\"></span>ana<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt def<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs146\">performance mea<span class=\"_ _1\"></span>sures (\u201cMPMs\u201d) and enhanc<span class=\"_ _1\"></span>ing general </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs147\">requiremen<span class=\"_ _1\"></span>ts on aggr<span class=\"_ _1\"></span>egation and<span class=\"_ _1\"></span> disaggregati<span class=\"_ _1\"></span>on. The </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs148\">im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of the st<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>ard i<span class=\"_ _0\"></span>s yet to be ful<span class=\"_ _0\"></span>ly as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d by </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs149\">the Group<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs14a\">Summary of<span class=\"_ _1\"></span> new and am<span class=\"_ _1\"></span>ended account<span class=\"_ _1\"></span>ing policies<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs14b\">Re-presen<span class=\"_ _1\"></span>tation o<span class=\"_ _1\"></span>f SME loans:<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs14c\">On t<span class=\"_ _0\"></span>he ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et \u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans (sec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sed)<span class=\"_ _0\"></span>\u201d<span class=\"_ _1\"></span>, \u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs14d\">lo<span class=\"_ _0\"></span>ans (ware<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>use)\u201d an<span class=\"_ _0\"></span>d \u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans (othe<span class=\"_ _0\"></span>r)\u201d he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs14e\">valu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh pr<span class=\"_ _0\"></span>ofit a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n pre<span class=\"_ _0\"></span>sented u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs14f\">\u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>\u201d an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs150\">\u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans (othe<span class=\"_ _0\"></span>r)\u201d he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed co<span class=\"_ _0\"></span>st have be<span class=\"_ _0\"></span>en </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs151\">pres<span class=\"_ _0\"></span>ented u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r \u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cost<span class=\"_ _2\"></span>\u201d in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs152\">ord<span class=\"_ _0\"></span>er to sim<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>y th<span class=\"_ _0\"></span>e pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>ion of t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans as t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs153\">bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ces b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e les<span class=\"_ _0\"></span>s mater<span class=\"_ _0\"></span>ial w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ative </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs154\">year re<span class=\"_ _0\"></span>-p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted on t<span class=\"_ _0\"></span>his b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s. Ad<span class=\"_ _0\"></span>diti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs155\">and n<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>rent s<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>it of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs156\">cost h<span class=\"_ _0\"></span>as b<span class=\"_ _0\"></span>een re<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ented to mo<span class=\"_ _0\"></span>re ac<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>ately ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ct </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs157\">whe<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows be<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me du<span class=\"_ _0\"></span>e. Thi<span class=\"_ _0\"></span>s pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs158\">re-<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>ed to th<span class=\"_ _0\"></span>e ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ica<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e notes </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs159\">and cash<span class=\"_ _1\"></span> flow sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> throughout the<span class=\"_ _1\"></span>se accounts<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs15b\">Discont<span class=\"_ _1\"></span>inued operations<span class=\"_ _1\"></span> and deconsolid<span class=\"_ _1\"></span>ation<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs15c\">Wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up i<span class=\"_ _0\"></span>ntends to se<span class=\"_ _0\"></span>ll as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r Bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs15d\">Uni<span class=\"_ _0\"></span>ts, I<span class=\"_ _0\"></span>FRS 5 N<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent As<span class=\"_ _0\"></span>sets H<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d for S<span class=\"_ _0\"></span>ale a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs15e\">Dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d Op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns, is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>lie<span class=\"_ _0\"></span>d. A<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>et or g<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs15f\">of ass<span class=\"_ _0\"></span>ets is tre<span class=\"_ _0\"></span>ated as a dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion i<span class=\"_ _0\"></span>f:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs160\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>t is avail<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le for i<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>ate sal<span class=\"_ _0\"></span>e in it<span class=\"_ _0\"></span>s pres<span class=\"_ _0\"></span>ent co<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs161\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e sa<span class=\"_ _0\"></span>le i<span class=\"_ _0\"></span>s hig<span class=\"_ _0\"></span>hly p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e, wit<span class=\"_ _0\"></span>h ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs162\">com<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>tted to a p<span class=\"_ _0\"></span>lan to se<span class=\"_ _0\"></span>ll t<span class=\"_ _0\"></span>he as<span class=\"_ _0\"></span>set an<span class=\"_ _0\"></span>d an a<span class=\"_ _0\"></span>ctive </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs163\">pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e to loc<span class=\"_ _0\"></span>ate a buyer i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tiated; an<span class=\"_ _0\"></span>d</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs164\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e sa<span class=\"_ _0\"></span>le i<span class=\"_ _0\"></span>s expec<span class=\"_ _0\"></span>ted to be co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>leted w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in 1 yea<span class=\"_ _0\"></span>r of </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs165\">cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d for s<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs166\">Wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>ese c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a are m<span class=\"_ _0\"></span>et, the a<span class=\"_ _0\"></span>ssets i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e dis<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>al </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs167\">grou<span class=\"_ _0\"></span>p are m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>d at the l<span class=\"_ _0\"></span>ower of fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue l<span class=\"_ _0\"></span>ess c<span class=\"_ _0\"></span>ost </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs168\">to sel<span class=\"_ _0\"></span>l and t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g valu<span class=\"_ _0\"></span>e at th<span class=\"_ _0\"></span>e poi<span class=\"_ _0\"></span>nt th<span class=\"_ _0\"></span>ey are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs169\">con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d to meet t<span class=\"_ _0\"></span>he cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>. The re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>ts fro<span class=\"_ _0\"></span>m the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs16a\">discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> are pre<span class=\"_ _1\"></span>sent<span class=\"_ _1\"></span>ed separa<span class=\"_ _1\"></span>tely in<span class=\"_ _1\"></span> the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs16b\">consolida<span class=\"_ _1\"></span>ted st<span class=\"_ _1\"></span>atemen<span class=\"_ _1\"></span>t of compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income with </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs16c\">the c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>par<span class=\"_ _0\"></span>ative yea<span class=\"_ _0\"></span>r restated o<span class=\"_ _0\"></span>n a li<span class=\"_ _0\"></span>ke-for-like ba<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs16d\">Wh<span class=\"_ _0\"></span>ere a B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s Un<span class=\"_ _0\"></span>it of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up is h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d as a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs16e\">dis<span class=\"_ _0\"></span>cont<span class=\"_ _0\"></span>inu<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e intenti<span class=\"_ _0\"></span>on of s<span class=\"_ _0\"></span>ell<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g it, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs16f\">it wi<span class=\"_ _0\"></span>ll re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated for as l<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g as the c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs170\">cont<span class=\"_ _0\"></span>rol as d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d by IFRS 10 C<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated Fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs171\">State<span class=\"_ _0\"></span>ments<span class=\"_ _0\"></span>, are met<span class=\"_ _0\"></span>. Al<span class=\"_ _0\"></span>l th<span class=\"_ _0\"></span>ree of th<span class=\"_ _0\"></span>ese c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a must b<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs172\">met in o<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>r to contr<span class=\"_ _0\"></span>ol an e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs173\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsb8 wsb6\">p<span class=\"_ _0\"></span>owe<span class=\"_ _0\"></span>r ove<span class=\"_ _0\"></span>r t<span class=\"_ _0\"></span>he i<span class=\"_ _0\"></span>nves<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>e;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs174\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">exp<span class=\"_ _0\"></span>osur<span class=\"_ _0\"></span>e, or ri<span class=\"_ _0\"></span>ghts, to var<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e retur<span class=\"_ _0\"></span>ns fro<span class=\"_ _0\"></span>m its </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs175\">involve<span class=\"_ _0\"></span>ment w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he investe<span class=\"_ _0\"></span>e; and</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs176\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty to us<span class=\"_ _0\"></span>e its p<span class=\"_ _0\"></span>ower over th<span class=\"_ _0\"></span>e investee to af<span class=\"_ _0\"></span>fect </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs177\">the a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e investor<span class=\"_ _2\"></span>\u2019s returns<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs178\">Wh<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>e an ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt mig<span class=\"_ _0\"></span>ht be s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>ed to se<span class=\"_ _0\"></span>ll t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs179\">op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>, if th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nue<span class=\"_ _0\"></span>s to meet th<span class=\"_ _0\"></span>e cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs17a\">for co<span class=\"_ _0\"></span>ntrol b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ween s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d cl<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs17b\">deconsoli<span class=\"_ _1\"></span>dation<span class=\"_ _1\"></span> will only oc<span class=\"_ _1\"></span>cur on clo<span class=\"_ _1\"></span>sing once t<span class=\"_ _1\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs17c\">cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia are n<span class=\"_ _0\"></span>o lo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>er met<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3e ws3f gs17d\">Share buybacks </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs17e\">Sha<span class=\"_ _0\"></span>res p<span class=\"_ _0\"></span>urch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>s par<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs17f\">of the s<span class=\"_ _0\"></span>hare b<span class=\"_ _0\"></span>uyb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e redu<span class=\"_ _0\"></span>ce t<span class=\"_ _0\"></span>he eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ty </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs180\">of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, but ar<span class=\"_ _0\"></span>e anti<span class=\"_ _0\"></span>-d<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>utive a<span class=\"_ _0\"></span>nd retu<span class=\"_ _0\"></span>rn val<span class=\"_ _0\"></span>ue to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs181\">sha<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s wh<span class=\"_ _0\"></span>en ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g ear<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ngs p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>. The </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs182\">nom<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>al co<span class=\"_ _0\"></span>st of the s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d can<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs183\">treated as a r<span class=\"_ _0\"></span>edu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n sha<span class=\"_ _0\"></span>re ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al wi<span class=\"_ _0\"></span>th an of<span class=\"_ _0\"></span>fs<span class=\"_ _0\"></span>ett<span class=\"_ _0\"></span>ing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs184\">inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>dem<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve. Th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs185\">rede<span class=\"_ _0\"></span>mpt<span class=\"_ _0\"></span>ion re<span class=\"_ _0\"></span>ser<span class=\"_ _2\"></span>ve is a non-<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>istr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>utab<span class=\"_ _0\"></span>le re<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs186\">whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>an b<span class=\"_ _0\"></span>e use<span class=\"_ _0\"></span>d to pay up new s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res al<span class=\"_ _0\"></span>lot<span class=\"_ _0\"></span>ted as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs187\">ful<span class=\"_ _0\"></span>ly pa<span class=\"_ _0\"></span>id b<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>us sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e cost of t<span class=\"_ _0\"></span>he sh<span class=\"_ _0\"></span>are p<span class=\"_ _0\"></span>urch<span class=\"_ _0\"></span>ase </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs188\">inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>sive of st<span class=\"_ _0\"></span>amp d<span class=\"_ _0\"></span>ut<span class=\"_ _0\"></span>y and b<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>ker fees is d<span class=\"_ _0\"></span>ebi<span class=\"_ _0\"></span>ted to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs189\">ret<span class=\"_ _1\"></span>aine<span class=\"_ _0\"></span>d earnings.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3d ws3e gs18a\">Cashback credit card<span class=\"_ _1\"></span> accounting </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs18b\">Cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck of<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>d on p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>cts is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up i<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs18c\">con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d to fall u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 15 whe<span class=\"_ _0\"></span>re it is c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs18d\">li<span class=\"_ _0\"></span>nked to ca<span class=\"_ _0\"></span>rd sp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>d whe<span class=\"_ _0\"></span>re an i<span class=\"_ _0\"></span>ntercha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e fee is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs18e\">ge<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>ated at the p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of sp<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>. Wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>shb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs18f\">reward to th<span class=\"_ _0\"></span>e bo<span class=\"_ _0\"></span>rrower i<span class=\"_ _0\"></span>s cas<span class=\"_ _0\"></span>h set<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r net<span class=\"_ _0\"></span>ted ag<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs191\">an ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e due f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>stome<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, it i<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs192\">treated as a r<span class=\"_ _0\"></span>edu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n the tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>ice u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs193\">IFR<span class=\"_ _0\"></span>S 15 and th<span class=\"_ _0\"></span>ere i<span class=\"_ _0\"></span>s no on<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>ing p<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e ob<span class=\"_ _0\"></span>lig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs194\">beyon<span class=\"_ _0\"></span>d the c<span class=\"_ _0\"></span>ard t<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n wi<span class=\"_ _0\"></span>th interc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge fe<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs195\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d net of t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>shb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k gra<span class=\"_ _0\"></span>nted. Th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>shb<span class=\"_ _0\"></span>ack </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs196\">rewards p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>mme d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ntly of<span class=\"_ _0\"></span>fer b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs197\">the o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n to exchang<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>eir c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck rewa<span class=\"_ _0\"></span>rd for othe<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs198\">non<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>sh go<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>s or se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>. Wh<span class=\"_ _0\"></span>ere b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers d<span class=\"_ _0\"></span>o not </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs199\">repay t<span class=\"_ _0\"></span>he fu<span class=\"_ _0\"></span>ll ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce d<span class=\"_ _0\"></span>ue o<span class=\"_ _0\"></span>n the<span class=\"_ _0\"></span>ir c<span class=\"_ _0\"></span>ard a<span class=\"_ _0\"></span>nd ch<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>se to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs19a\">revolve an e<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt of it, intere<span class=\"_ _0\"></span>st in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs19b\">un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 9 o<span class=\"_ _0\"></span>n the i<span class=\"_ _0\"></span>nterest c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs19c\">Summary of<span class=\"_ _1\"></span> existing<span class=\"_ _1\"></span> accounting<span class=\"_ _1\"></span> policies<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls3e ws3f gs19d\">Basis of consolidat<span class=\"_ _1\"></span>io<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs19e\">Wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>as co<span class=\"_ _0\"></span>ntrol over a<span class=\"_ _0\"></span>n investee, i<span class=\"_ _0\"></span>t is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs19f\">cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s a subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y. The Gro<span class=\"_ _0\"></span>up co<span class=\"_ _0\"></span>ntro<span class=\"_ _0\"></span>ls an i<span class=\"_ _0\"></span>nvestee </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1a0\">if al<span class=\"_ _0\"></span>l th<span class=\"_ _0\"></span>ree of th<span class=\"_ _0\"></span>e foll<span class=\"_ _0\"></span>owin<span class=\"_ _0\"></span>g el<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>re pres<span class=\"_ _0\"></span>ent: p<span class=\"_ _0\"></span>ower </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1a1\">over the i<span class=\"_ _0\"></span>nvestee, expos<span class=\"_ _0\"></span>ure to var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le retu<span class=\"_ _0\"></span>rns f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1a2\">investee, an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e investor to us<span class=\"_ _0\"></span>e its p<span class=\"_ _0\"></span>ower </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1a3\">to affect t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le retu<span class=\"_ _0\"></span>rns<span class=\"_ _0\"></span>. Co<span class=\"_ _0\"></span>ntro<span class=\"_ _0\"></span>l is reas<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1a4\">whe<span class=\"_ _0\"></span>never fa<span class=\"_ _0\"></span>cts an<span class=\"_ _0\"></span>d ci<span class=\"_ _0\"></span>rcu<span class=\"_ _0\"></span>msta<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s in<span class=\"_ _0\"></span>dic<span class=\"_ _0\"></span>ate that th<span class=\"_ _0\"></span>ere </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1a5\">may be a c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge i<span class=\"_ _0\"></span>n any of th<span class=\"_ _0\"></span>ese e<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s of cont<span class=\"_ _0\"></span>rol.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1a6\">St<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>cture<span class=\"_ _0\"></span>d enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>at are de<span class=\"_ _0\"></span>sig<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d so </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1a7\">that th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties a<span class=\"_ _0\"></span>re not g<span class=\"_ _0\"></span>overn<span class=\"_ _0\"></span>ed by votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1a8\">In as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up has p<span class=\"_ _0\"></span>ower over s<span class=\"_ _0\"></span>uch </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1a9\">enti<span class=\"_ _0\"></span>ties<span class=\"_ _0\"></span>, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s facto<span class=\"_ _0\"></span>rs su<span class=\"_ _0\"></span>ch as t<span class=\"_ _0\"></span>he pu<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>ose </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1aa\">and d<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gn of th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty, its pra<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>cal a<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y to dire<span class=\"_ _0\"></span>ct </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ab\">the re<span class=\"_ _0\"></span>leva<span class=\"_ _0\"></span>nt acti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>ies of th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty, the nature of t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ac\">rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>nsh<span class=\"_ _0\"></span>ip wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e size of its exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ad\">to the var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of retur<span class=\"_ _0\"></span>ns of th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ae\">The c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt the re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>ts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1af\">of the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pany a<span class=\"_ _0\"></span>nd it<span class=\"_ _0\"></span>s subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>s if th<span class=\"_ _0\"></span>ey forme<span class=\"_ _0\"></span>d a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs1b0\">single ent<span class=\"_ _1\"></span>it<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. In<span class=\"_ _1\"></span>tercompan<span class=\"_ _1\"></span>y transactions<span class=\"_ _1\"></span> and balances </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws8c gs1b1\">bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n Gro<span class=\"_ _0\"></span>up c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re the<span class=\"_ _0\"></span>refore el<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>inated i<span class=\"_ _0\"></span>n fu<span class=\"_ _0\"></span>ll.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1b2\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ies t<span class=\"_ _0\"></span>he ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n meth<span class=\"_ _0\"></span>od to ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1b3\">for bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>bin<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns. I<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1b4\">she<span class=\"_ _0\"></span>et, th<span class=\"_ _0\"></span>e ac<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>\u2019s id<span class=\"_ _0\"></span>entif<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets, l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1b5\">cont<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gent l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es are i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d at the<span class=\"_ _0\"></span>ir fai<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1b6\">valu<span class=\"_ _0\"></span>es at th<span class=\"_ _0\"></span>e ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n date. Acq<span class=\"_ _0\"></span>uis<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-re<span class=\"_ _0\"></span>lated co<span class=\"_ _0\"></span>sts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1b7\">are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s as i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>e resu<span class=\"_ _0\"></span>lts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1b8\">of acq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1b9\">statem<span class=\"_ _0\"></span>ent of co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rehe<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e from t<span class=\"_ _0\"></span>he date on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ba\">whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l is obt<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed. T<span class=\"_ _0\"></span>hey are d<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated f<span class=\"_ _0\"></span>rom </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1bb\">the d<span class=\"_ _0\"></span>ate on whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l cea<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs1bc\">Foreign<span class=\"_ _1\"></span> currency<span class=\"_ _1\"></span> translation<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1bd\">T<span class=\"_ _1\"></span>rans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns entere<span class=\"_ _0\"></span>d into by Gro<span class=\"_ _0\"></span>up ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es in a c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>renc<span class=\"_ _0\"></span>y </div><div class=\"t m7 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs1be\">othe<span class=\"_ _0\"></span>r tha<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy of the p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>mar<span class=\"_ _2\"></span>y econ<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>ic envi<span class=\"_ _0\"></span>ron<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1bf\">in wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h they o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rate (thei<span class=\"_ _0\"></span>r \u201c<span class=\"_ _0\"></span>fun<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) ar<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1c0\">rec<span class=\"_ _0\"></span>orde<span class=\"_ _0\"></span>d at th<span class=\"_ _0\"></span>e rates ru<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s occ<span class=\"_ _0\"></span>ur. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1c1\">Forei<span class=\"_ _0\"></span>gn c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rency m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>etar<span class=\"_ _2\"></span>y assets a<span class=\"_ _0\"></span>nd li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1c2\">tra<span class=\"_ _0\"></span>nsl<span class=\"_ _0\"></span>ated at th<span class=\"_ _0\"></span>e prevai<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng rate at th<span class=\"_ _0\"></span>e repo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1c3\">Exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>n the ret<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nsl<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1c4\">uns<span class=\"_ _0\"></span>ett<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d mon<span class=\"_ _0\"></span>etar<span class=\"_ _2\"></span>y assets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1c5\">im<span class=\"_ _0\"></span>med<span class=\"_ _0\"></span>iately i<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1c7\">On d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>osa<span class=\"_ _0\"></span>l of a forei<span class=\"_ _0\"></span>gn o<span class=\"_ _0\"></span>per<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n, th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>mul<span class=\"_ _0\"></span>ative </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1c8\">exchan<span class=\"_ _0\"></span>ge di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e foreig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1c9\">rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve rel<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g to that op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n up to the d<span class=\"_ _0\"></span>ate of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ca\">dis<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>al a<span class=\"_ _0\"></span>re tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red to th<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated statem<span class=\"_ _0\"></span>ent </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1cb\">of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsive i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me a<span class=\"_ _0\"></span>s par<span class=\"_ _0\"></span>t of t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t or l<span class=\"_ _0\"></span>oss </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs1cc\">on disposal.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs1cd\">Presen<span class=\"_ _1\"></span>tation c<span class=\"_ _1\"></span>urrency<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ce\">The<span class=\"_ _0\"></span>se co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts are p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1cf\">GB<span class=\"_ _0\"></span>P ster<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng, wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h is th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s pres<span class=\"_ _0\"></span>entati<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rency.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1d0\">Al<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies of over<span class=\"_ _0\"></span>seas o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>, inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1d1\">go<span class=\"_ _0\"></span>odw<span class=\"_ _0\"></span>ill a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g on t<span class=\"_ _0\"></span>he ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of tho<span class=\"_ _0\"></span>se op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1d2\">are tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lated at t<span class=\"_ _0\"></span>he preva<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ing r<span class=\"_ _0\"></span>ate at the rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting date. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1d3\">Inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d expen<span class=\"_ _0\"></span>se item<span class=\"_ _0\"></span>s are tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lated at t<span class=\"_ _0\"></span>he avera<span class=\"_ _0\"></span>ge </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1d4\">exchan<span class=\"_ _0\"></span>ge rates for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, un<span class=\"_ _0\"></span>les<span class=\"_ _0\"></span>s exchan<span class=\"_ _0\"></span>ge r<span class=\"_ _0\"></span>ates </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1d5\">fl<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>ate sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>antl<span class=\"_ _0\"></span>y dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g that yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, in w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h ca<span class=\"_ _0\"></span>se </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1d6\">the excha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e rates at th<span class=\"_ _0\"></span>e date of tran<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>ns ar<span class=\"_ _0\"></span>e use<span class=\"_ _0\"></span>d. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1d7\">Exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs1d8\">comprehensi<span class=\"_ _1\"></span>ve income<span class=\"_ _1\"></span> and accumulat<span class=\"_ _1\"></span>ed in equity<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1d9\">Go<span class=\"_ _0\"></span>odw<span class=\"_ _0\"></span>ill a<span class=\"_ _0\"></span>nd fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e adj<span class=\"_ _0\"></span>ustm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g on t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1da\">acq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ion of a fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n enti<span class=\"_ _0\"></span>ty a<span class=\"_ _0\"></span>re treated a<span class=\"_ _0\"></span>s ass<span class=\"_ _0\"></span>ets </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1db\">and l<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es of th<span class=\"_ _0\"></span>e forei<span class=\"_ _0\"></span>gn ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d tra<span class=\"_ _0\"></span>nsl<span class=\"_ _0\"></span>ated at </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1dc\">the p<span class=\"_ _0\"></span>revail<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g rate at the re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs1dd\">Segment<span class=\"_ _1\"></span> repor<span class=\"_ _0\"></span>ting<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4e wsc gs1de\">Operating<span class=\"_ _1\"></span> segments ar<span class=\"_ _1\"></span>e reported in<span class=\"_ _1\"></span> the manner con<span class=\"_ _1\"></span>sisten<span class=\"_ _1\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs1df\">wit<span class=\"_ _0\"></span>h the i<span class=\"_ _0\"></span>ntern<span class=\"_ _0\"></span>al rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting p<span class=\"_ _0\"></span>rovide<span class=\"_ _0\"></span>d to the c<span class=\"_ _0\"></span>hief o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs1e0\">dec<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on m<span class=\"_ _0\"></span>aker (<span class=\"_ _0\"></span>\u201cC<span class=\"_ _0\"></span>OD<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>\u201d). The C<span class=\"_ _0\"></span>OD<span class=\"_ _0\"></span>M, wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h is th<span class=\"_ _0\"></span>e fun<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1e1\">resp<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le for a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g reso<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1e2\">pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e of the o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>ments<span class=\"_ _0\"></span>, has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1e3\">ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as th<span class=\"_ _0\"></span>e Exec<span class=\"_ _0\"></span>uti<span class=\"_ _0\"></span>ve Co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>ttee (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>xCo<span class=\"_ _0\"></span>\u201d), form<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ly </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1e4\">kn<span class=\"_ _0\"></span>own as th<span class=\"_ _0\"></span>e Gl<span class=\"_ _0\"></span>ob<span class=\"_ _0\"></span>al Lead<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>shi<span class=\"_ _0\"></span>p T<span class=\"_ _1\"></span>eam (<span class=\"_ _0\"></span>\u201cG<span class=\"_ _0\"></span>L<span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>\u201d), that </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1e5\">makes s<span class=\"_ _0\"></span>trateg<span class=\"_ _0\"></span>ic de<span class=\"_ _0\"></span>cis<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns. Fo<span class=\"_ _0\"></span>r eac<span class=\"_ _0\"></span>h id<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>per<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1e6\">seg<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt, the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s disc<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n for th<span class=\"_ _0\"></span>e key </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1e7\">pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>dic<span class=\"_ _0\"></span>ators t<span class=\"_ _0\"></span>hat are a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d inter<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1e8\">review a<span class=\"_ _0\"></span>nd stee<span class=\"_ _0\"></span>r pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce in t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>trateg<span class=\"_ _0\"></span>ic R<span class=\"_ _0\"></span>epo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1e9\">T<span class=\"_ _1\"></span>rans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n se<span class=\"_ _0\"></span>gm<span class=\"_ _0\"></span>ents are o<span class=\"_ _0\"></span>n an a<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>\u2019s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ea\">le<span class=\"_ _0\"></span>ngt<span class=\"_ _0\"></span>h bas<span class=\"_ _0\"></span>is in a m<span class=\"_ _0\"></span>ann<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r to tran<span class=\"_ _0\"></span>sac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns wi<span class=\"_ _0\"></span>th </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs1eb\">third par<span class=\"_ _0\"></span>ties.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs1ec\">Excep<span class=\"_ _1\"></span>tional it<span class=\"_ _1\"></span>ems<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ed\">Exce<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l items a<span class=\"_ _0\"></span>re the i<span class=\"_ _0\"></span>tems of in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me or exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ee\">that th<span class=\"_ _0\"></span>e G<span class=\"_ _0\"></span>roup c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ers a<span class=\"_ _0\"></span>re mater<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>, one<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>of<span class=\"_ _0\"></span>f in natu<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ef\">and of s<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>h sig<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nce t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>ey mer<span class=\"_ _0\"></span>it se<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>rate </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1f0\">pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>ion i<span class=\"_ _0\"></span>n ord<span class=\"_ _0\"></span>er to ai<span class=\"_ _0\"></span>d the re<span class=\"_ _0\"></span>ade<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>\u2019s u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>rst<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1f1\">of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial p<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e. Su<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>tems wou<span class=\"_ _0\"></span>ld </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1f2\">inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>ts or l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>n disp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>al of bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>ses, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs1f3\">transaction<span class=\"_ _1\"></span> costs, acquisi<span class=\"_ _1\"></span>tions and disposals<span class=\"_ _1\"></span>, major </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs1f4\">rest<span class=\"_ _1\"></span>ructuring programmes<span class=\"_ _1\"></span>, significant<span class=\"_ _1\"></span> goo<span class=\"_ _0\"></span>dwill<span class=\"_ _1\"></span> or other </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs1f5\">asset<span class=\"_ _1\"></span> impai<span class=\"_ _0\"></span>rments,<span class=\"_ _1\"></span> and other particularly significant or </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs1f6\">unusual i<span class=\"_ _1\"></span>tems.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3d ws3e gs1f7\">Income recognition<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs1f8\">Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in l<span class=\"_ _0\"></span>ine w<span class=\"_ _0\"></span>ith I<span class=\"_ _0\"></span>FRS 15 wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h provi<span class=\"_ _0\"></span>des<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1f9\">a sin<span class=\"_ _0\"></span>gl<span class=\"_ _0\"></span>e, pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s-b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d fi<span class=\"_ _0\"></span>ve-s<span class=\"_ _0\"></span>tep mo<span class=\"_ _0\"></span>del to b<span class=\"_ _0\"></span>e app<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1fa\">to all c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>acts w<span class=\"_ _0\"></span>ith c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s:<span class=\"_ _2d6\"> </span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1fc\">1) <span class=\"_ _f\"> </span>ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>y th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ct wit<span class=\"_ _0\"></span>h the c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>; </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1fd\">2) <span class=\"_ _14\"> </span>ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>y t<span class=\"_ _0\"></span>he pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>ons i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>t; </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1fe\">3) <span class=\"_ _14\"> </span>determi<span class=\"_ _0\"></span>ne t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce; </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs1ff\">4) <span class=\"_ _14\"> </span> <span class=\"_ _18\"></span>al<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>cate th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce to the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs200\">obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns in t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>acts<span class=\"_ _0\"></span>, on a re<span class=\"_ _0\"></span>lative st<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>d-a<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ne </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs201\">sel<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce bas<span class=\"_ _0\"></span>is; an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs202\">5) <span class=\"_ _14\"> </span> <span class=\"_ _a\"></span>rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e whe<span class=\"_ _0\"></span>n (or as) the ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y sati<span class=\"_ _0\"></span>sf<span class=\"_ _0\"></span>ies </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs203\">its performance obliga<span class=\"_ _1\"></span>tion.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs204\">Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed for t<span class=\"_ _0\"></span>he ar<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent of lo<span class=\"_ _0\"></span>ans i<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs205\">cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s <span class=\"ff5 lsc wsb\">transaction fees<span class=\"_ _1\"></span><span class=\"ff4 ls2 ws2\">. T<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ct si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ed by </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs206\">the b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>lated ter<span class=\"_ _0\"></span>ms are c<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>arl<span class=\"_ _0\"></span>y id<span class=\"_ _0\"></span>entif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs207\">The p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ct is co<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs208\">to be th<span class=\"_ _0\"></span>e fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g of the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m and </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs209\">the t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e is cl<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>ly s<span class=\"_ _0\"></span>tated in t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower<span class=\"_ _0\"></span>\u2019s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs20a\">cont<span class=\"_ _1\"></span>ract. F<span class=\"_ _1\"></span>ees are<span class=\"_ _1\"></span> recognised<span class=\"_ _1\"></span> immediat<span class=\"_ _1\"></span>ely once<span class=\"_ _1\"></span> loans </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs20b\">are fu<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y fun<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d and af<span class=\"_ _0\"></span>ter t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>re ac<span class=\"_ _0\"></span>cepte<span class=\"_ _0\"></span>d by the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs20c\">bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>rs. At th<span class=\"_ _0\"></span>is p<span class=\"_ _0\"></span>oint t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>igat<span class=\"_ _0\"></span>ion h<span class=\"_ _0\"></span>as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs20d\">be<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>et, the<span class=\"_ _0\"></span>re are n<span class=\"_ _0\"></span>o clawb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e fee </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs20e\">is r<span class=\"_ _1\"></span>ecognised.<span class=\"_ _1\"></span> Such fee<span class=\"_ _1\"></span>s are<span class=\"_ _1\"></span> automa<span class=\"_ _1\"></span>tically d<span class=\"_ _1\"></span>educted<span class=\"_ _1\"></span> from </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lse wsd gs20f\">the a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>d. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs210\">Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed f<span class=\"_ _0\"></span>rom refer<span class=\"_ _0\"></span>ral<span class=\"_ _0\"></span>s to par<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ner i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>itut<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs211\">is cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as<span class=\"ff5 lsc wsb\"> transaction fees.</span> There are c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>s in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs212\">pl<span class=\"_ _0\"></span>ace w<span class=\"_ _0\"></span>ith p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ner i<span class=\"_ _0\"></span>nsti<span class=\"_ _0\"></span>tuti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s with c<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ly id<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs213\">terms<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e per<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>on in t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs214\">is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>ed to be th<span class=\"_ _0\"></span>e referr<span class=\"_ _0\"></span>al by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs215\">subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nt fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g of the refer<span class=\"_ _0\"></span>red l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n by the p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>tn<span class=\"_ _0\"></span>er </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs216\">ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n and t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>ice i<span class=\"_ _0\"></span>s cl<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>ly st<span class=\"_ _0\"></span>ated in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs217\">the refer<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>l ag<span class=\"_ _0\"></span>reem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>. Fees a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>nce t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs218\">referre<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>an ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en fu<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d by the p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ner i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>itut<span class=\"_ _0\"></span>ion </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs219\">and a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>epted by th<span class=\"_ _0\"></span>e referre<span class=\"_ _0\"></span>d bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. At thi<span class=\"_ _0\"></span>s po<span class=\"_ _0\"></span>int, th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs21a\">pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gatio<span class=\"_ _0\"></span>n has b<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en met a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>here a<span class=\"_ _0\"></span>re no </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs21b\">significant claw<span class=\"_ _1\"></span>back provisions.<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs21c\">Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed f<span class=\"_ _0\"></span>rom se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>cin<span class=\"_ _0\"></span>g th<span class=\"_ _0\"></span>ird pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y lo<span class=\"_ _0\"></span>ans is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs21d\">cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s <span class=\"ff5 ls3d ws3e\">servic<span class=\"_ _0\"></span>ing fees<span class=\"_ _1\"></span><span class=\"ff4 ls2 ws2\"> a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>s a cost of t<span class=\"_ _0\"></span>he investo<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs21e\">except in t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>se of th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>rst yea<span class=\"_ _0\"></span>r of se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g fees </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs21f\">rel<span class=\"_ _0\"></span>ated to CBI<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>, whe<span class=\"_ _0\"></span>re the g<span class=\"_ _0\"></span>overn<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt pai<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs220\">the c<span class=\"_ _0\"></span>ost. I<span class=\"_ _0\"></span>t co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>es an a<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>ual<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d fee re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs221\">a pe<span class=\"_ _0\"></span>rcent<span class=\"_ _0\"></span>age of o<span class=\"_ _0\"></span>uts<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>cip<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs222\">bas<span class=\"_ _0\"></span>is for th<span class=\"_ _0\"></span>e ser<span class=\"_ _2\"></span>vici<span class=\"_ _0\"></span>ng fee an<span class=\"_ _0\"></span>d tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce is b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs223\">on th<span class=\"_ _0\"></span>e term<span class=\"_ _0\"></span>s and c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>d by investors to th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gsa3\">lending platf<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>m. The performance o<span class=\"_ _1\"></span>b<span class=\"_ _0\"></span>ligation i<span class=\"_ _1\"></span>s ser<span class=\"_ _0\"></span>vicing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsa4\">the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d al<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>ng re<span class=\"_ _0\"></span>payme<span class=\"_ _0\"></span>nts of th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>n pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ts to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsa5\">the re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ecti<span class=\"_ _0\"></span>ve len<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rs. T<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>ice i<span class=\"_ _0\"></span>s al<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>cated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsa6\">as a pe<span class=\"_ _0\"></span>rce<span class=\"_ _0\"></span>ntag<span class=\"_ _0\"></span>e of the o<span class=\"_ _0\"></span>utst<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>al ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs224\">represen<span class=\"_ _1\"></span>ting the outst<span class=\"_ _1\"></span>an<span class=\"_ _0\"></span>ding performance obligat<span class=\"_ _1\"></span>ion<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs225\">Fees a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n a mont<span class=\"_ _0\"></span>hly b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s up<span class=\"_ _0\"></span>on re<span class=\"_ _0\"></span>payme<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsa9\">of loa<span class=\"_ _0\"></span>n pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ts. D<span class=\"_ _0\"></span>ue to th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns of th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>ns, t<span class=\"_ _0\"></span>here </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs226\">are no p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>eted cont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>ts at th<span class=\"_ _0\"></span>e bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce sh<span class=\"_ _0\"></span>eet </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs227\">date and n<span class=\"_ _0\"></span>o adva<span class=\"_ _0\"></span>nce p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts fro<span class=\"_ _0\"></span>m cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs228\">Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>ntercha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e fees fro<span class=\"_ _0\"></span>m </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsad\">Flexi<span class=\"_ _0\"></span>Pay ca<span class=\"_ _0\"></span>rd an<span class=\"_ _0\"></span>d Cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ca<span class=\"_ _0\"></span>rd is c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsae\">a <span class=\"ff5 lsc wsb\">transaction fee<span class=\"_ _1\"></span><span class=\"ff4 ls2 ws2\">. Fo<span class=\"_ _0\"></span>rei<span class=\"_ _0\"></span>gn excha<span class=\"_ _0\"></span>nge fe<span class=\"_ _0\"></span>es ear<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d fro<span class=\"_ _0\"></span>m </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs229\">Flexi<span class=\"_ _0\"></span>Pay ca<span class=\"_ _0\"></span>rd are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as <span class=\"ff5 lsa ws9\">other fee<span class=\"_ _1\"></span>s<span class=\"ff4 ls2 ws2\"> an<span class=\"_ _0\"></span>d are a c<span class=\"_ _0\"></span>ost </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs22a\">to the Fl<span class=\"_ _0\"></span>exiPay ca<span class=\"_ _0\"></span>rd b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower<span class=\"_ _1\"></span>. A c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act i<span class=\"_ _0\"></span>s in p<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>h </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsb1\">the c<span class=\"_ _0\"></span>ard p<span class=\"_ _0\"></span>rovid<span class=\"_ _0\"></span>er wh<span class=\"_ _0\"></span>o rem<span class=\"_ _0\"></span>its th<span class=\"_ _0\"></span>e fee revenu<span class=\"_ _0\"></span>es to the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsb2\">Gro<span class=\"_ _0\"></span>up. C<span class=\"_ _0\"></span>ard fees a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>ately at th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>int </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs22b\">of tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on as at t<span class=\"_ _0\"></span>his p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>igat<span class=\"_ _0\"></span>ion<span class=\"_ _2d6\"> </span> </div>has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n met. B<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower<span class=\"_ _0\"></span>s usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r ca<span class=\"_ _0\"></span>rd wil<span class=\"_ _0\"></span>l \u201c<span class=\"_ _0\"></span>fl<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>\u201d th<span class=\"_ _0\"></span>e bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce into a Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>oan re<span class=\"_ _0\"></span>payab<span class=\"_ _0\"></span>le over th<span class=\"_ _0\"></span>ree m<span class=\"_ _0\"></span>onth<span class=\"_ _0\"></span>s and fo<span class=\"_ _0\"></span>r a fee. Th<span class=\"_ _0\"></span>e fee in<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>red by b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers w<span class=\"_ _0\"></span>ho f<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>p the ca<span class=\"_ _0\"></span>rd ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce i<span class=\"_ _0\"></span>nto a loan i<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r IFRS 9 f<span class=\"_ _0\"></span>rom the p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of the f<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>p over the l<span class=\"_ _0\"></span>ife of the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he effe<span class=\"_ _0\"></span>ctive i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate metho<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r int<span class=\"_ _1\"></span>erest inco<span class=\"_ _1\"></span>me<span class=\"ff4 ls2 ws2\">.<span class=\"_ _2d6\"> </span></span>Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r fee<span class=\"_ _0\"></span>s <span class=\"ff4 lsa ws9\">includes<span class=\"_ _1\"></span> income fr<span class=\"_ _1\"></span>om collection<span class=\"_ _1\"></span>s charges<span class=\"_ _1\"></span> </span>levi<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>ucc<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sful r<span class=\"_ _0\"></span>ecover<span class=\"_ _0\"></span>y of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>ted lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se are re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>re per<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gatio<span class=\"_ _0\"></span>ns a<span class=\"_ _0\"></span>re met. I<span class=\"_ _0\"></span>t als<span class=\"_ _0\"></span>o in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>s pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>-re<span class=\"_ _0\"></span>lated fees re<span class=\"_ _0\"></span>lated to th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d by cer<span class=\"_ _0\"></span>tain institutional invest<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span>.<span class=\"_ _2d6\"> </span>Net in<span class=\"_ _1\"></span>come includes the<span class=\"_ _1\"></span> following<span class=\"_ _1\"></span> elements under<span class=\"_ _1\"></span> whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a of IFR<span class=\"_ _0\"></span>S 9 and n<span class=\"_ _0\"></span>ot IFR<span class=\"_ _0\"></span>S 15 are applied<span class=\"_ _1\"></span>:<span class=\"_ _2d6\"> </span>Interest<span class=\"_ _1\"></span> in<span class=\"_ _0\"></span>come inclu<span class=\"_ _0\"></span>des: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d on as<span class=\"_ _0\"></span>sets h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed </span></span>cost u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>e ef<span class=\"_ _0\"></span>fective i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate metho<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng fees i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d on Fl<span class=\"_ _0\"></span>exiPay dr<span class=\"_ _0\"></span>awdowns a<span class=\"_ _0\"></span>nd Fl<span class=\"_ _0\"></span>exiPay c<span class=\"_ _0\"></span>ard \u201c<span class=\"_ _0\"></span>fl<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>\u201d ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>, and i<span class=\"_ _0\"></span>nterest c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d on C<span class=\"_ _0\"></span>ashb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>ard d<span class=\"_ _0\"></span>rawn b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d interes<span class=\"_ _0\"></span>t inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on cor<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rate ca<span class=\"_ _0\"></span>sh a<span class=\"_ _0\"></span>nd cl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>nt mon<span class=\"_ _0\"></span>ies h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d. It a<span class=\"_ _0\"></span>lso i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>des interes<span class=\"_ _0\"></span>t inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey mar<span class=\"_ _0\"></span>ket funds h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh pr<span class=\"_ _0\"></span>ofit a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span> income includes: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me f<span class=\"_ _0\"></span>rom S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d investm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n </span></span>tru<span class=\"_ _0\"></span>sts th<span class=\"_ _0\"></span>at the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ho<span class=\"_ _0\"></span>lds o<span class=\"_ _0\"></span>n ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et.<span class=\"_ _2d6\"> </span>Fair val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s/l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s/l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es fro<span class=\"_ _0\"></span>m ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n the fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l </span></span>ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d on b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e she<span class=\"_ _0\"></span>et.<span class=\"_ _2d6\"> </span>Cos<span class=\"_ _0\"></span>t of fun<span class=\"_ _0\"></span>ds in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>nterest p<span class=\"_ _0\"></span>ayabl<span class=\"_ _0\"></span>e on fu<span class=\"_ _0\"></span>nds b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowed to f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e the </span></span>iss<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ng of li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it.<span class=\"_ _2d6\"> </span>Net i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>rded i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al state<span class=\"_ _0\"></span>ments i<span class=\"_ _0\"></span>s ge<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>ated in t<span class=\"_ _0\"></span>he UK<span class=\"_ _0\"></span>, Ge<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>any an<span class=\"_ _0\"></span>d the N<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ds. A<span class=\"_ _0\"></span>ll fees are r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the a<span class=\"_ _0\"></span>bove income<span class=\"_ _1\"></span> recognition<span class=\"_ _1\"></span> policy<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Administrativ<span class=\"_ _1\"></span>e expenses<span class=\"_ _2d6\"> </span>Admi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>strat<span class=\"_ _0\"></span>ive expe<span class=\"_ _0\"></span>nses a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed as a<span class=\"_ _0\"></span>n expen<span class=\"_ _0\"></span>se in the s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nt of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsive i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>n the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d in whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>ey are i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d on a<span class=\"_ _0\"></span>n acc<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>s bas<span class=\"_ _0\"></span>is.<span class=\"_ _2d6\"> </span>Share-based payment<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ates a numb<span class=\"_ _0\"></span>er of e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y-set<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>ed share-based<span class=\"_ _1\"></span> compensation plan<span class=\"_ _1\"></span>s, under wh<span class=\"_ _1\"></span>ich the Group<span class=\"_ _1\"></span> rec<span class=\"_ _0\"></span>eives s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces f<span class=\"_ _0\"></span>rom e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyees a<span class=\"_ _0\"></span>s con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n for eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents (opti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s) of the Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _1\"></span>. The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>mpl<span class=\"_ _0\"></span>oyee se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>ved in exchan<span class=\"_ _0\"></span>ge for th<span class=\"_ _0\"></span>e gr<span class=\"_ _0\"></span>ant of th<span class=\"_ _0\"></span>e opti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s is<span class=\"_ _2d6\"> </span>rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>n expen<span class=\"_ _0\"></span>se. Th<span class=\"_ _0\"></span>e total am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt to be expen<span class=\"_ _0\"></span>sed<span class=\"_ _0\"></span> is deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned by refere<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e to the fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of<span class=\"_ _2d6\"> </span>th<span class=\"_ _0\"></span>e opti<span class=\"_ _0\"></span>ons and share<span class=\"_ _1\"></span>s grant<span class=\"_ _1\"></span>ed: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>ny mar<span class=\"_ _0\"></span>ket per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rma<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns </span></span>(for exampl<span class=\"_ _0\"></span>e, an e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e)<span class=\"_ _1\"></span>; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">exclu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of any ser<span class=\"_ _2\"></span>vice a<span class=\"_ _0\"></span>nd no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>rket </span></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e vesti<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ond<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ons (for exam<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>e, net inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e, ear<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ngs p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>hare a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng an e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyee of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p over a sp<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed t<span class=\"_ _0\"></span>ime p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d); and <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct of any no<span class=\"_ _0\"></span>n-ves<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns </span></span>(for exampl<span class=\"_ _0\"></span>e, the re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt for emp<span class=\"_ _0\"></span>loyee<span class=\"_ _0\"></span>s to save)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>ket vesti<span class=\"_ _0\"></span>ng co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns a<span class=\"_ _0\"></span>re inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in ass<span class=\"_ _0\"></span>umpt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns ab<span class=\"_ _0\"></span>out t<span class=\"_ _0\"></span>he nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d sha<span class=\"_ _0\"></span>res th<span class=\"_ _0\"></span>at are expe<span class=\"_ _0\"></span>cted to vest<span class=\"_ _0\"></span>. The total exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e is re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed over the ves<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d, wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>s the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d over whi<span class=\"_ _0\"></span>ch al<span class=\"_ _0\"></span>l of the s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d vesti<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ond<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re to be sat<span class=\"_ _0\"></span>isf<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d. At the e<span class=\"_ _0\"></span>nd of ea<span class=\"_ _0\"></span>ch rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>iod, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p revise<span class=\"_ _0\"></span>s its es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ate of the nu<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r of opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s and s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res th<span class=\"_ _0\"></span>at are expe<span class=\"_ _0\"></span>cted to vest b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on th<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>ket vesti<span class=\"_ _0\"></span>ng con<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns. I<span class=\"_ _0\"></span>t reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s the i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>act of th<span class=\"_ _0\"></span>e revis<span class=\"_ _0\"></span>ion to or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l esti<span class=\"_ _0\"></span>mates, i<span class=\"_ _0\"></span>f any<span class=\"_ _1\"></span>, in th<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me statem<span class=\"_ _0\"></span>ent, w<span class=\"_ _0\"></span>ith a corre<span class=\"_ _1\"></span>sponding adjustmen<span class=\"_ _1\"></span>t to<span class=\"_ _1\"></span> equity<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s are exercis<span class=\"_ _0\"></span>ed, t<span class=\"_ _0\"></span>he C<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>any is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>es new sh<span class=\"_ _0\"></span>ares o<span class=\"_ _0\"></span>r ut<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ses s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res that h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>sed in th<span class=\"_ _0\"></span>e ma<span class=\"_ _0\"></span>rket. Th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>cee<span class=\"_ _0\"></span>ds re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>ved net of a<span class=\"_ _0\"></span>ny dire<span class=\"_ _0\"></span>ctly att<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>uta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>osts a<span class=\"_ _0\"></span>re cre<span class=\"_ _0\"></span>dited to sh<span class=\"_ _0\"></span>are ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al (no<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>al val<span class=\"_ _0\"></span>ue) an<span class=\"_ _0\"></span>d sha<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>um wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e opti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re exercis<span class=\"_ _0\"></span>ed. T<span class=\"_ _0\"></span>he o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>al fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of th<span class=\"_ _0\"></span>e amo<span class=\"_ _0\"></span>unt exerci<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d is tr<span class=\"_ _0\"></span>ansfer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d from t<span class=\"_ _0\"></span>he sh<span class=\"_ _0\"></span>are o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve to the ac<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>mul<span class=\"_ _0\"></span>ated los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve.<span class=\"_ _2d6\"> </span>The g<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nt by the C<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>any of opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s and s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res over its e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s to the em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyees of su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y un<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ak<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup i<span class=\"_ _0\"></span>s treated as a c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l cont<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>ut<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>. The f<span class=\"_ _0\"></span>air va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of emp<span class=\"_ _0\"></span>loyee s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>eived, m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>d by referenc<span class=\"_ _0\"></span>e to the gr<span class=\"_ _0\"></span>ant date fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e, is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed over th<span class=\"_ _0\"></span>e vesti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d as an inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in s<span class=\"_ _0\"></span>ubsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tak<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs, wi<span class=\"_ _0\"></span>th a co<span class=\"_ _0\"></span>rres<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t to equ<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y in t<span class=\"_ _0\"></span>he Pa<span class=\"_ _0\"></span>rent ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y (the<span class=\"_ _1\"></span> \u201cC<span class=\"_ _0\"></span>ompany\u201d) accounts.<span class=\"_ _2d6\"> </span>Pension obligations<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ates a defi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>ntri<span class=\"_ _0\"></span>but<span class=\"_ _0\"></span>ion p<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>e for em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyees in t<span class=\"_ _0\"></span>he U<span class=\"_ _0\"></span>K and t<span class=\"_ _0\"></span>he US<span class=\"_ _0\"></span>. The sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>es are p<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n pl<span class=\"_ _0\"></span>ans u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r wh<span class=\"_ _0\"></span>ich t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p pays fixe<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>ntri<span class=\"_ _0\"></span>but<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s into a sep<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ate entit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. Th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up has n<span class=\"_ _0\"></span>o le<span class=\"_ _0\"></span>gal o<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>tive ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>ons to pay fu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er cont<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>ut<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s if th<span class=\"_ _0\"></span>e fun<span class=\"_ _0\"></span>d do<span class=\"_ _0\"></span>es not h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d suf<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ent as<span class=\"_ _0\"></span>sets to pay all e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyees t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>enef<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>s rel<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g to emp<span class=\"_ _0\"></span>loyee ser<span class=\"_ _2\"></span>vice i<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent an<span class=\"_ _0\"></span>d pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r years<span class=\"_ _0\"></span>. Co<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>ibu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns payab<span class=\"_ _0\"></span>le to the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>e are ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ed to the s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nt of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsive i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>n the yea<span class=\"_ _0\"></span>r to whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>ey rel<span class=\"_ _0\"></span>ate. The G<span class=\"_ _0\"></span>roup h<span class=\"_ _0\"></span>as no f<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nt obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns on<span class=\"_ _0\"></span>ce t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>ntri<span class=\"_ _0\"></span>bu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns have be<span class=\"_ _0\"></span>en p<span class=\"_ _0\"></span>aid<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls2 ws2 gs288\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d de<span class=\"_ _0\"></span>ferr<span class=\"_ _0\"></span>ed ta<span class=\"_ _0\"></span>x </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs289\">The t<span class=\"_ _0\"></span>ax expe<span class=\"_ _0\"></span>nse for th<span class=\"_ _0\"></span>e year c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ises c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs28a\">deferr<span class=\"_ _0\"></span>ed tax<span class=\"_ _0\"></span>. Cur<span class=\"_ _0\"></span>rent t<span class=\"_ _0\"></span>ax is p<span class=\"_ _0\"></span>rovide<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts expec<span class=\"_ _0\"></span>ted </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs28b\">to be pa<span class=\"_ _0\"></span>id (or rec<span class=\"_ _0\"></span>overed) us<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the t<span class=\"_ _0\"></span>ax rates an<span class=\"_ _0\"></span>d laws </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs28c\">that h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n ena<span class=\"_ _0\"></span>cted o<span class=\"_ _0\"></span>r subs<span class=\"_ _0\"></span>tanti<span class=\"_ _0\"></span>vely e<span class=\"_ _0\"></span>nac<span class=\"_ _0\"></span>ted by the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs28d\">bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce sh<span class=\"_ _0\"></span>eet d<span class=\"_ _0\"></span>ate in the c<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs28e\">and i<span class=\"_ _0\"></span>ts su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ate and ge<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rate taxab<span class=\"_ _0\"></span>le i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs28f\">Ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>odi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y evalu<span class=\"_ _0\"></span>ates pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ons ta<span class=\"_ _0\"></span>ken in t<span class=\"_ _0\"></span>ax </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs290\">retur<span class=\"_ _0\"></span>ns wit<span class=\"_ _0\"></span>h resp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>t to situat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns in w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ica<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e tax </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs291\">reg<span class=\"_ _0\"></span>ulat<span class=\"_ _0\"></span>ion i<span class=\"_ _0\"></span>s sub<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>ct to interp<span class=\"_ _0\"></span>retati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs292\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has e<span class=\"_ _0\"></span>stab<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>she<span class=\"_ _0\"></span>d tr<span class=\"_ _0\"></span>ansfe<span class=\"_ _0\"></span>r pri<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>oli<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs293\">the<span class=\"_ _0\"></span>re are m<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ism<span class=\"_ _0\"></span>s in p<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e that e<span class=\"_ _0\"></span>nsu<span class=\"_ _0\"></span>re sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>iar<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs294\">are re<span class=\"_ _0\"></span>mun<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated app<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ately o<span class=\"_ _0\"></span>n an a<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>\u2019s len<span class=\"_ _0\"></span>gth b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs295\">for se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>es p<span class=\"_ _0\"></span>rovide<span class=\"_ _0\"></span>d. It e<span class=\"_ _0\"></span>stab<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>she<span class=\"_ _0\"></span>s provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns, wh<span class=\"_ _0\"></span>ere </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs296\">ap<span class=\"_ _0\"></span>pro<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>iate, base<span class=\"_ _0\"></span>d on a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts expe<span class=\"_ _0\"></span>cted to be p<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs297\">the tax<span class=\"_ _1\"></span> authorities.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs298\">Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x ass<span class=\"_ _0\"></span>ets for un<span class=\"_ _0\"></span>use<span class=\"_ _0\"></span>d tax l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es, ta<span class=\"_ _0\"></span>x cre<span class=\"_ _0\"></span>dits a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs299\">deduct<span class=\"_ _1\"></span>ible t<span class=\"_ _1\"></span>emporar<span class=\"_ _0\"></span>y diff<span class=\"_ _1\"></span>erences<span class=\"_ _1\"></span> are r<span class=\"_ _1\"></span>ecognised t<span class=\"_ _1\"></span>o the<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs29a\">extent th<span class=\"_ _0\"></span>at it is p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e that f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t wil<span class=\"_ _0\"></span>l be </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs29b\">avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es c<span class=\"_ _0\"></span>an </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs29c\">be u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs29d\">Def<span class=\"_ _1\"></span>erred t<span class=\"_ _1\"></span>ax asse<span class=\"_ _1\"></span>ts ar<span class=\"_ _1\"></span>e recognis<span class=\"_ _1\"></span>ed on deduc<span class=\"_ _1\"></span>tible </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs29e\">temp<span class=\"_ _0\"></span>ora<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y di<span class=\"_ _0\"></span>ffe<span class=\"_ _0\"></span>renc<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>ing f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs29f\">subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>, ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ates and j<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt ar<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts on<span class=\"_ _0\"></span>ly to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2a0\">the ex<span class=\"_ _0\"></span>tent that i<span class=\"_ _0\"></span>t is pr<span class=\"_ _0\"></span>obab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>ll </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2a1\">reverse i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e futu<span class=\"_ _0\"></span>re an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>re is su<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>nt taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2a2\">avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2a3\">be u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2a4\">Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re provi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d on taxa<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e temp<span class=\"_ _0\"></span>ora<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs2a5\">differences arisin<span class=\"_ _0\"></span>g from in<span class=\"_ _1\"></span>vestments in subsidiaries, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2a6\">ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ates an<span class=\"_ _0\"></span>d joi<span class=\"_ _0\"></span>nt ar<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts, except for a<span class=\"_ _0\"></span>ny </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2a7\">deferr<span class=\"_ _0\"></span>ed tax l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e tim<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g of the rever<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>l of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2a8\">the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p an<span class=\"_ _0\"></span>d it </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2a9\">is pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>le t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e temp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>ll not rever<span class=\"_ _0\"></span>se </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2aa\">in th<span class=\"_ _0\"></span>e fores<span class=\"_ _0\"></span>eea<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e futu<span class=\"_ _0\"></span>re.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2ab\">Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re of<span class=\"_ _0\"></span>fset wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>ere </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2ac\">is a le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y enforce<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le r<span class=\"_ _0\"></span>ight to of<span class=\"_ _0\"></span>fset cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax as<span class=\"_ _0\"></span>sets </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2ad\">aga<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>t cu<span class=\"_ _0\"></span>rrent t<span class=\"_ _0\"></span>ax li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ties a<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>he defer<span class=\"_ _0\"></span>red t<span class=\"_ _0\"></span>ax </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2ae\">ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies re<span class=\"_ _0\"></span>late to inc<span class=\"_ _0\"></span>ome t<span class=\"_ _0\"></span>axes lev<span class=\"_ _0\"></span>ied by th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2af\">sa<span class=\"_ _0\"></span>me taxati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>uth<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y on ei<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e sam<span class=\"_ _0\"></span>e taxab<span class=\"_ _0\"></span>le e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2b0\">or di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferent taxa<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ties a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s an i<span class=\"_ _0\"></span>ntentio<span class=\"_ _0\"></span>n to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2b1\">set<span class=\"_ _0\"></span>tle t<span class=\"_ _0\"></span>he ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s on a n<span class=\"_ _0\"></span>et bas<span class=\"_ _0\"></span>is.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2b2\">Defer<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me t<span class=\"_ _0\"></span>ax is p<span class=\"_ _0\"></span>rovide<span class=\"_ _0\"></span>d in f<span class=\"_ _0\"></span>ull<span class=\"_ _0\"></span>, usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2b3\">meth<span class=\"_ _0\"></span>od, o<span class=\"_ _0\"></span>n temp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2b4\">tax ba<span class=\"_ _0\"></span>ses of as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs2b5\">amounts<span class=\"_ _1\"></span> in the financi<span class=\"_ _1\"></span>al stat<span class=\"_ _1\"></span>ements.<span class=\"_ _1\"></span> Howev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>, de<span class=\"_ _1\"></span>ferred<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2b6\">tax is n<span class=\"_ _0\"></span>ot ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted for if i<span class=\"_ _0\"></span>t ari<span class=\"_ _0\"></span>ses f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2b7\">of an as<span class=\"_ _0\"></span>set or l<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y in a t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r tha<span class=\"_ _0\"></span>n a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2b8\">bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess c<span class=\"_ _0\"></span>omb<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n that at th<span class=\"_ _0\"></span>e ti<span class=\"_ _0\"></span>me of th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2b9\">affe<span class=\"_ _0\"></span>cts ne<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>er a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng n<span class=\"_ _0\"></span>or taxa<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs2ba\">Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x is deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned u<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng tax r<span class=\"_ _0\"></span>ates and l<span class=\"_ _0\"></span>aws </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs2bb\">that h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n ena<span class=\"_ _0\"></span>cted or s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>tanti<span class=\"_ _0\"></span>vely e<span class=\"_ _0\"></span>nac<span class=\"_ _0\"></span>ted at the<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs2bc\">year-en<span class=\"_ _0\"></span>d date and a<span class=\"_ _0\"></span>re expe<span class=\"_ _0\"></span>cted to app<span class=\"_ _0\"></span>ly w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>lated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs2bd\">deferr<span class=\"_ _0\"></span>ed tax a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>s real<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d or t<span class=\"_ _0\"></span>he defer<span class=\"_ _0\"></span>red t<span class=\"_ _0\"></span>ax li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty is<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs2be\">set<span class=\"_ _0\"></span>tle<span class=\"_ _0\"></span>d. D<span class=\"_ _0\"></span>eferre<span class=\"_ _0\"></span>d tax b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es are n<span class=\"_ _0\"></span>ot dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3e ws3f gs2c0\">Dividends<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2c1\">Div<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>s are rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>hey be<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2c2\">payab<span class=\"_ _0\"></span>le, in a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>orda<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e with t<span class=\"_ _0\"></span>he C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pan<span class=\"_ _0\"></span>ies A<span class=\"_ _0\"></span>ct 200<span class=\"_ _0\"></span>6.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls8c ws88 gs2c3\">Inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>ble a<span class=\"_ _0\"></span>ssets<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2c4\">Inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets wi<span class=\"_ _0\"></span>th f<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>te usefu<span class=\"_ _0\"></span>l lives a<span class=\"_ _0\"></span>re am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2c5\">on a st<span class=\"_ _0\"></span>rai<span class=\"_ _0\"></span>ght-li<span class=\"_ _0\"></span>ne b<span class=\"_ _0\"></span>asis over t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r est<span class=\"_ _0\"></span>imated u<span class=\"_ _0\"></span>sefu<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>ves. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2c6\">Usefu<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>ves and a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on met<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>ds are revi<span class=\"_ _0\"></span>ewed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2c7\">at the e<span class=\"_ _0\"></span>nd of ea<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>nnu<span class=\"_ _0\"></span>al re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>od, o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2c8\">freq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>ntly w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re is an i<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2c9\">ass<span class=\"_ _0\"></span>et may be i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>aire<span class=\"_ _0\"></span>d, wit<span class=\"_ _0\"></span>h the ef<span class=\"_ _0\"></span>fec<span class=\"_ _0\"></span>t of any cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>es </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs2ca\">accoun<span class=\"_ _1\"></span>ted f<span class=\"_ _1\"></span>or on<span class=\"_ _1\"></span> a prospec<span class=\"_ _1\"></span>tive<span class=\"_ _1\"></span> basis. Amortisa<span class=\"_ _1\"></span>tion </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2cb\">com<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et is avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2cc\">use. T<span class=\"_ _0\"></span>he res<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets is as<span class=\"_ _0\"></span>sum<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2cd\">to be zero. </div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs2ce\">Computer<span class=\"_ _1\"></span> software li<span class=\"_ _1\"></span>cences<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2cf\">Acq<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>ed co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>uter sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware l<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>re ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>ali<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2d0\">the b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s of the c<span class=\"_ _0\"></span>osts i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d to acq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>re and b<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2d1\">use t<span class=\"_ _0\"></span>he sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se cos<span class=\"_ _0\"></span>ts are a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2d2\">over the l<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d, wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>s up to f<span class=\"_ _0\"></span>ive years a<span class=\"_ _0\"></span>s at </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2d3\">31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs2d4\">Capitalised<span class=\"_ _1\"></span> dev<span class=\"_ _1\"></span>elopment cost<span class=\"_ _1\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls11 ws10 gs2d5\">Costs associa<span class=\"_ _1\"></span>ted with main<span class=\"_ _1\"></span>taining computer software </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs214\">pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>ms a<span class=\"_ _0\"></span>re reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e as in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs215\">Devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt costs t<span class=\"_ _0\"></span>hat ar<span class=\"_ _0\"></span>e dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y attr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>uta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs216\">to the de<span class=\"_ _0\"></span>sig<span class=\"_ _0\"></span>n, bu<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d testin<span class=\"_ _0\"></span>g of ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2d6\">uni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>e sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>cts c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2d7\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as i<span class=\"_ _0\"></span>ntan<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>le as<span class=\"_ _0\"></span>sets w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n the fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs2d8\">criteria<span class=\"_ _1\"></span> are me<span class=\"_ _1\"></span>t:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs2d9\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>t is tech<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>cal<span class=\"_ _0\"></span>ly feas<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le to co<span class=\"_ _0\"></span>mpl<span class=\"_ _0\"></span>ete the b<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ld of th<span class=\"_ _0\"></span>e </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2da\">pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts so t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>ey wil<span class=\"_ _0\"></span>l be avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le fo<span class=\"_ _0\"></span>r use;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs2db\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">management in<span class=\"_ _1\"></span>tends<span class=\"_ _1\"></span> to comple<span class=\"_ _1\"></span>te the<span class=\"_ _1\"></span> build of<span class=\"_ _1\"></span> the </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2dc\">pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts for us<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs2dd\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>ere i<span class=\"_ _0\"></span>s an ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to use th<span class=\"_ _0\"></span>e plat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs2de\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>t can b<span class=\"_ _0\"></span>e de<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>ated how th<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>cts wi<span class=\"_ _0\"></span>ll </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs2df\">generat<span class=\"_ _1\"></span>e probable futur<span class=\"_ _1\"></span>e economic benefits;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs2e0\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a<span class=\"_ _0\"></span>deq<span class=\"_ _0\"></span>uate tech<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>cal<span class=\"_ _0\"></span>, fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er res<span class=\"_ _0\"></span>ourc<span class=\"_ _0\"></span>es to </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2e1\">com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ete the d<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d to use th<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2e2\">pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts are avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le; a<span class=\"_ _0\"></span>nd</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs2e3\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e expe<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ture at<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ibu<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le to the p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2e4\">dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g its deve<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>y mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2e5\">Di<span class=\"_ _0\"></span>rect<span class=\"_ _0\"></span>ly at<span class=\"_ _0\"></span>tri<span class=\"_ _0\"></span>but<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>sts th<span class=\"_ _0\"></span>at are c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2e6\">the s<span class=\"_ _0\"></span>of<span class=\"_ _0\"></span>twa<span class=\"_ _0\"></span>re pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de th<span class=\"_ _0\"></span>e sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware deve<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2e7\">emp<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>oyee and c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>acto<span class=\"_ _0\"></span>r cost<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>ali<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2e8\">of emp<span class=\"_ _0\"></span>loyee c<span class=\"_ _0\"></span>osts i<span class=\"_ _0\"></span>s bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of ti<span class=\"_ _0\"></span>me </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2e9\">sp<span class=\"_ _0\"></span>ent on s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>c proj<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ts whi<span class=\"_ _0\"></span>ch m<span class=\"_ _0\"></span>eet th<span class=\"_ _0\"></span>e cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs2ea\">a pr<span class=\"_ _1\"></span>opor<span class=\"_ _0\"></span>tion o<span class=\"_ _1\"></span>f their<span class=\"_ _1\"></span> tot<span class=\"_ _1\"></span>al time<span class=\"_ _1\"></span>, and thi<span class=\"_ _1\"></span>s proportion </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2eb\">of the<span class=\"_ _0\"></span>ir s<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y-re<span class=\"_ _0\"></span>lated c<span class=\"_ _0\"></span>osts i<span class=\"_ _0\"></span>s att<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>uted to th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs2ec\">applicable<span class=\"_ _1\"></span> projects.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2ed\">Ot<span class=\"_ _0\"></span>her d<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent expe<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ture t<span class=\"_ _0\"></span>hat do<span class=\"_ _0\"></span>es not m<span class=\"_ _0\"></span>eet </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2ee\">the<span class=\"_ _0\"></span>se cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e as in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs2ef\">Dev<span class=\"_ _1\"></span>elopment<span class=\"_ _1\"></span> costs pr<span class=\"_ _1\"></span>eviou<span class=\"_ _1\"></span>sly recogni<span class=\"_ _1\"></span>sed as a<span class=\"_ _1\"></span>n expe<span class=\"_ _1\"></span>nse </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2f0\">are not re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>n a sub<span class=\"_ _0\"></span>seq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nt pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs2f2\">Capitali<span class=\"_ _1\"></span>sed dev<span class=\"_ _1\"></span>elopment<span class=\"_ _1\"></span> costs<span class=\"_ _1\"></span> are r<span class=\"_ _1\"></span>ecorded as<span class=\"_ _1\"></span> intangi<span class=\"_ _1\"></span>ble </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2f3\">ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d from t<span class=\"_ _0\"></span>he po<span class=\"_ _0\"></span>int at w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h the a<span class=\"_ _0\"></span>sset </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2f4\">is rea<span class=\"_ _0\"></span>dy for us<span class=\"_ _0\"></span>e over the<span class=\"_ _0\"></span>ir es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ated usef<span class=\"_ _0\"></span>ul li<span class=\"_ _0\"></span>ves, ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2f5\">from t<span class=\"_ _0\"></span>hre<span class=\"_ _0\"></span>e to five yea<span class=\"_ _0\"></span>rs. </div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs2f6\">Other in<span class=\"_ _1\"></span>tangibles<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2f7\">Ot<span class=\"_ _0\"></span>her i<span class=\"_ _0\"></span>ntan<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s rel<span class=\"_ _0\"></span>ate to the tech<span class=\"_ _0\"></span>nol<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>y pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2f8\">and c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p (repre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>ing fe<span class=\"_ _0\"></span>es du<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2f9\">on co<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>acted l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns expe<span class=\"_ _0\"></span>cted to be rea<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2fa\">forese<span class=\"_ _0\"></span>eab<span class=\"_ _0\"></span>le f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re) acqu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d on a b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>mbi<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2fb\">The<span class=\"_ _0\"></span>se cos<span class=\"_ _0\"></span>ts are a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed over th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r esti<span class=\"_ _0\"></span>mated u<span class=\"_ _0\"></span>sefu<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2fc\">lives<span class=\"_ _0\"></span>, whi<span class=\"_ _0\"></span>ch do n<span class=\"_ _0\"></span>ot excee<span class=\"_ _0\"></span>d thre<span class=\"_ _0\"></span>e year<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls2 ws2 gs2fd\">T<span class=\"_ _5\"></span>a<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le f<span class=\"_ _0\"></span>ixed a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2fe\">T<span class=\"_ _5\"></span>a<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ixed as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>re stated at c<span class=\"_ _0\"></span>ost le<span class=\"_ _0\"></span>ss d<span class=\"_ _0\"></span>epre<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa9 ws9 gs2ff\">and an<span class=\"_ _1\"></span>y pro<span class=\"_ _1\"></span>vision<span class=\"_ _1\"></span> for im<span class=\"_ _1\"></span>pairment.<span class=\"_ _1\"></span> Depreciati<span class=\"_ _1\"></span>on is pr<span class=\"_ _1\"></span>ovided </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs300\">on a<span class=\"_ _0\"></span>ll ta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>xed ass<span class=\"_ _0\"></span>ets, at rates c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lated to wr<span class=\"_ _0\"></span>ite off </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs301\">the c<span class=\"_ _0\"></span>ost l<span class=\"_ _0\"></span>ess e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated res<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al va<span class=\"_ _0\"></span>lue of e<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>h ass<span class=\"_ _0\"></span>et on a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs302\">str<span class=\"_ _0\"></span>aig<span class=\"_ _0\"></span>ht-lin<span class=\"_ _0\"></span>e bas<span class=\"_ _0\"></span>is over its exp<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d usefu<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>fe, as foll<span class=\"_ _0\"></span>ows:<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs303\">Computer<span class=\"_ _1\"></span> equipment <span class=\"_ _a8\"> </span>1\u2013<span class=\"_ _0\"></span>3 y<span class=\"_ _1\"></span>ears </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs304\">Furn<span class=\"_ _0\"></span>iture a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>ix<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>s <span class=\"_ _153\"> </span>3<span class=\"_ _0\"></span>\u2013<span class=\"_ _2\"></span>5 years<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs305\">Lea<span class=\"_ _1\"></span>sehold impro<span class=\"_ _1\"></span>vements<span class=\"_ _1\"></span> that qualify f<span class=\"_ _1\"></span>or recogni<span class=\"_ _1\"></span>tion </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs306\">as an as<span class=\"_ _0\"></span>set a<span class=\"_ _0\"></span>re mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at cos<span class=\"_ _0\"></span>t and a<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>sente<span class=\"_ _0\"></span>d as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs307\">par<span class=\"_ _2\"></span>t of prope<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, pl<span class=\"_ _0\"></span>ant an<span class=\"_ _0\"></span>d eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>he no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs308\">assets<span class=\"_ _1\"></span> section on the balance<span class=\"_ _1\"></span> sheet. Depreciation<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs309\">on l<span class=\"_ _0\"></span>ease<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>ld i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rovement<span class=\"_ _0\"></span>s is ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs30a\">str<span class=\"_ _0\"></span>aig<span class=\"_ _0\"></span>ht-lin<span class=\"_ _0\"></span>e meth<span class=\"_ _0\"></span>od over t<span class=\"_ _0\"></span>he le<span class=\"_ _0\"></span>ase ter<span class=\"_ _0\"></span>m.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs30b\">Impairment<span class=\"_ _1\"></span> of tangible<span class=\"_ _1\"></span> and intangible<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs30c\">Inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets th<span class=\"_ _0\"></span>at have an in<span class=\"_ _0\"></span>def<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>te usefu<span class=\"_ _0\"></span>l life o<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs30d\">inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets not re<span class=\"_ _0\"></span>ady to use a<span class=\"_ _0\"></span>re not s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs30e\">amortisation and<span class=\"_ _1\"></span> are t<span class=\"_ _1\"></span>ested<span class=\"_ _1\"></span> annually f<span class=\"_ _1\"></span>or impairment. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs30f\">As<span class=\"_ _0\"></span>sets th<span class=\"_ _0\"></span>at are su<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>ct to am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>isat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>re reviewe<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs310\">for im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent wh<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ever events or c<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs311\">circ<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>ces i<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>icate th<span class=\"_ _0\"></span>at the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt may not </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs312\">be re<span class=\"_ _0\"></span>covera<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e. An i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>nt los<span class=\"_ _0\"></span>s is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d for the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs313\">amo<span class=\"_ _0\"></span>unt by wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the as<span class=\"_ _0\"></span>set<span class=\"_ _2\"></span>\u2019s carr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt excee<span class=\"_ _0\"></span>ds its </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs314\">reco<span class=\"_ _1\"></span>verable amoun<span class=\"_ _1\"></span>t. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs315\">Rec<span class=\"_ _0\"></span>overab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt is t<span class=\"_ _0\"></span>he hi<span class=\"_ _0\"></span>gh<span class=\"_ _0\"></span>er of fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue l<span class=\"_ _0\"></span>ess </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs316\">cost<span class=\"_ _0\"></span>s to sel<span class=\"_ _0\"></span>l and va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e in us<span class=\"_ _0\"></span>e. In a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e in us<span class=\"_ _0\"></span>e, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs317\">the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated fu<span class=\"_ _0\"></span>ture c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows a<span class=\"_ _0\"></span>re dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted to the<span class=\"_ _0\"></span>ir </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs318\">pres<span class=\"_ _0\"></span>ent va<span class=\"_ _0\"></span>lue u<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng a pre<span class=\"_ _0\"></span>-ta<span class=\"_ _0\"></span>x disc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rate that ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs319\">cur<span class=\"_ _0\"></span>rent m<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ket asses<span class=\"_ _0\"></span>sm<span class=\"_ _0\"></span>ents of t<span class=\"_ _0\"></span>he ti<span class=\"_ _0\"></span>me val<span class=\"_ _0\"></span>ue of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs31a\">and t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isks s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c to the as<span class=\"_ _0\"></span>set for wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ates </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs31b\">of futu<span class=\"_ _0\"></span>re cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows have not b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n adj<span class=\"_ _0\"></span>usted<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs31c\">If th<span class=\"_ _0\"></span>e recover<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of an as<span class=\"_ _0\"></span>set (or CG<span class=\"_ _0\"></span>U) is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs31d\">esti<span class=\"_ _0\"></span>mated to be l<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s tha<span class=\"_ _0\"></span>n its c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt, the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs31e\">ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et (or CGU) i<span class=\"_ _0\"></span>s redu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d to its </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs31f\">rec<span class=\"_ _0\"></span>overab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt. A<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs320\">immediat<span class=\"_ _1\"></span>ely in t<span class=\"_ _1\"></span>he stat<span class=\"_ _1\"></span>ement o<span class=\"_ _1\"></span>f comprehens<span class=\"_ _1\"></span>ive income<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs321\">A previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>nt los<span class=\"_ _0\"></span>s is rever<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs322\">on<span class=\"_ _0\"></span>ly if th<span class=\"_ _0\"></span>ere h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en a c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mates us<span class=\"_ _0\"></span>ed to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs323\">determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e the a<span class=\"_ _0\"></span>sset<span class=\"_ _2\"></span>\u2019s recovera<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e amo<span class=\"_ _0\"></span>unt s<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>e the l<span class=\"_ _0\"></span>ast </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs325\">im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss was re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d. If t<span class=\"_ _0\"></span>his was t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ase,<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs326\">the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of the as<span class=\"_ _0\"></span>set (or C<span class=\"_ _0\"></span>GU) is i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs327\">to the revis<span class=\"_ _0\"></span>ed e<span class=\"_ _0\"></span>stim<span class=\"_ _0\"></span>ate of its rec<span class=\"_ _0\"></span>overab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt, b<span class=\"_ _0\"></span>ut </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs328\">so th<span class=\"_ _0\"></span>at the i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unt d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot exceed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs329\">the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt that wo<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d have bee<span class=\"_ _0\"></span>n deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs32a\">had n<span class=\"_ _0\"></span>o im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed for th<span class=\"_ _0\"></span>e as<span class=\"_ _0\"></span>set (or </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs32b\">CGU) i<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r year<span class=\"_ _0\"></span>s. A revers<span class=\"_ _0\"></span>al of a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs32c\">recogni<span class=\"_ _1\"></span>sed immedia<span class=\"_ _1\"></span>tely<span class=\"_ _1\"></span> in pro<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>it or<span class=\"_ _1\"></span> loss<span class=\"_ _2d6\"> </span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3e ws3f gs32d\">Leases<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs32e\">At inc<span class=\"_ _0\"></span>epti<span class=\"_ _0\"></span>on of a co<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>act, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs32f\">or not a c<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>t is, o<span class=\"_ _0\"></span>r conta<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>, a lea<span class=\"_ _0\"></span>se. A c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act is<span class=\"_ _0\"></span>, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs330\">or co<span class=\"_ _0\"></span>ntai<span class=\"_ _0\"></span>ns, a l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e if th<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>t co<span class=\"_ _0\"></span>nveys the rig<span class=\"_ _0\"></span>ht </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs331\">to contro<span class=\"_ _0\"></span>l th<span class=\"_ _0\"></span>e use of a<span class=\"_ _0\"></span>n ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>et for a pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>od </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs332\">of tim<span class=\"_ _0\"></span>e in excha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e for co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n a lea<span class=\"_ _0\"></span>se </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs333\">is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n a co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ct the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs334\">ri<span class=\"_ _0\"></span>ght-of-use a<span class=\"_ _0\"></span>sset a<span class=\"_ _0\"></span>nd a l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y at th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs335\">commencement<span class=\"_ _1\"></span> dat<span class=\"_ _1\"></span>e.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs336\">Ri<span class=\"_ _0\"></span>ght-of-use a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s are i<span class=\"_ _0\"></span>niti<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red at c<span class=\"_ _0\"></span>ost, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs337\">com<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>al m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs338\">les<span class=\"_ _0\"></span>s any l<span class=\"_ _0\"></span>ease i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>entives<span class=\"_ _0\"></span>. Su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>ntly, right-of-us<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs339\">ass<span class=\"_ _0\"></span>ets are m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at c<span class=\"_ _0\"></span>ost, l<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s any acc<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ulate<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs33a\">deprecia<span class=\"_ _1\"></span>tion and an<span class=\"_ _1\"></span>y accumula<span class=\"_ _1\"></span>ted impairmen<span class=\"_ _1\"></span>t losses,<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs33b\">and a<span class=\"_ _0\"></span>re ad<span class=\"_ _0\"></span>jus<span class=\"_ _0\"></span>ted for ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n rem<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ents of t<span class=\"_ _0\"></span>he le<span class=\"_ _0\"></span>ase </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs33c\">lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. D<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>iati<span class=\"_ _0\"></span>on is c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lated o<span class=\"_ _0\"></span>n a stra<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ht-lin<span class=\"_ _0\"></span>e bas<span class=\"_ _0\"></span>is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs33d\">over the l<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>gth of th<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs33e\">Liab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>ing f<span class=\"_ _0\"></span>rom a l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e are in<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red o<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs33f\">a pres<span class=\"_ _0\"></span>ent va<span class=\"_ _0\"></span>lue b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s. Leas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lud<span class=\"_ _0\"></span>e the n<span class=\"_ _0\"></span>et </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs340\">pres<span class=\"_ _0\"></span>ent va<span class=\"_ _0\"></span>lue of t<span class=\"_ _0\"></span>he fol<span class=\"_ _0\"></span>lowi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e payme<span class=\"_ _0\"></span>nts:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs341\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>ixed p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts les<span class=\"_ _0\"></span>s any le<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>entives r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs342\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">va<span class=\"_ _0\"></span>ria<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase pay<span class=\"_ _0\"></span>ments b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on a<span class=\"_ _0\"></span>n in<span class=\"_ _0\"></span>dex or a </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs343\">rate, ini<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>d usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>dex or r<span class=\"_ _0\"></span>ate at the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs344\">commencement<span class=\"_ _1\"></span> dat<span class=\"_ _1\"></span>e; and</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs345\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts expe<span class=\"_ _0\"></span>cted to be p<span class=\"_ _0\"></span>ayabl<span class=\"_ _0\"></span>e by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p un<span class=\"_ _0\"></span>der </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs346\">residual<span class=\"_ _1\"></span> value guarant<span class=\"_ _1\"></span>ee.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs347\">The l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e paym<span class=\"_ _0\"></span>ents are d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nted usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e intere<span class=\"_ _0\"></span>st </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs348\">rate imp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>t in th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se. If t<span class=\"_ _0\"></span>hat rate ca<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>ot be rea<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ly </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs349\">determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed, th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup<span class=\"_ _0\"></span>\u2019s in<span class=\"_ _0\"></span>crem<span class=\"_ _0\"></span>enta<span class=\"_ _0\"></span>l bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g rate is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs34a\">use<span class=\"_ _0\"></span>d, whi<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>s the r<span class=\"_ _0\"></span>ate that the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up wou<span class=\"_ _0\"></span>ld h<span class=\"_ _0\"></span>ave t<span class=\"_ _1\"></span>o </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs34b\">pay to bor<span class=\"_ _0\"></span>row th<span class=\"_ _0\"></span>e fun<span class=\"_ _0\"></span>ds ne<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y to obtai<span class=\"_ _0\"></span>n an as<span class=\"_ _0\"></span>set </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs34c\">of sim<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ar val<span class=\"_ _0\"></span>ue to th<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>ght-of-use a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>n a si<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>lar </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs34d\">economic en<span class=\"_ _1\"></span>vironment<span class=\"_ _1\"></span> with similar<span class=\"_ _1\"></span> terms,<span class=\"_ _1\"></span> security </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs34e\">and condit<span class=\"_ _1\"></span>ions.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs34f\">T<span class=\"_ _5\"></span>o d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e the i<span class=\"_ _0\"></span>ncr<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>ntal b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ng rate, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up: </div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs350\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">wh<span class=\"_ _0\"></span>ere p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le, us<span class=\"_ _0\"></span>es rec<span class=\"_ _0\"></span>ent th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ing </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs351\">rec<span class=\"_ _0\"></span>eived by t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>div<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ee as a s<span class=\"_ _0\"></span>tar<span class=\"_ _2\"></span>ting p<span class=\"_ _0\"></span>oint<span class=\"_ _0\"></span>, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs352\">adj<span class=\"_ _0\"></span>usted to ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ct ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ng co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls11 ws10 gs353\">since third party financing was receiv<span class=\"_ _1\"></span>ed;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs354\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">us<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>n app<span class=\"_ _0\"></span>roa<span class=\"_ _0\"></span>ch ta<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he ri<span class=\"_ _0\"></span>sk-free intere<span class=\"_ _0\"></span>st rate </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs355\">adj<span class=\"_ _0\"></span>usted fo<span class=\"_ _0\"></span>r cred<span class=\"_ _0\"></span>it r<span class=\"_ _0\"></span>isk for l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es he<span class=\"_ _0\"></span>ld by Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs356\">Holdings<span class=\"_ _1\"></span> plc; and</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs357\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">ma<span class=\"_ _0\"></span>kes adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts sp<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c to the l<span class=\"_ _0\"></span>ease fo<span class=\"_ _0\"></span>r term, </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs358\">country and<span class=\"_ _1\"></span> currency<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs35a\">Subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>ntly<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he le<span class=\"_ _0\"></span>ase l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y is me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red by </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs35b\">inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt to refle<span class=\"_ _0\"></span>ct intere<span class=\"_ _0\"></span>st on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs35c\">the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d red<span class=\"_ _0\"></span>uci<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>t by the l<span class=\"_ _0\"></span>ease p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs35d\">mad<span class=\"_ _0\"></span>e. The l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y a<span class=\"_ _0\"></span>nd r<span class=\"_ _0\"></span>ight-of-us<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs35e\">remeas<span class=\"_ _1\"></span>ured when th<span class=\"_ _1\"></span>ere is a<span class=\"_ _1\"></span> lease modificat<span class=\"_ _1\"></span>ion.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs35f\">Lease p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts are al<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>cate<span class=\"_ _0\"></span>d bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs360\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nce c<span class=\"_ _0\"></span>ost. T<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e cos<span class=\"_ _0\"></span>t is ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ed to prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs361\">los<span class=\"_ _0\"></span>s over the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>od so a<span class=\"_ _0\"></span>s to produ<span class=\"_ _0\"></span>ce a c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>tant </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs362\">pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>c rate of interest o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e rema<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e of the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs363\">lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y for ea<span class=\"_ _0\"></span>ch p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs364\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is expo<span class=\"_ _0\"></span>sed to p<span class=\"_ _0\"></span>otentia<span class=\"_ _0\"></span>l futu<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs365\">var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e payme<span class=\"_ _0\"></span>nts ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n an i<span class=\"_ _0\"></span>ndex o<span class=\"_ _0\"></span>r rate, whi<span class=\"_ _0\"></span>ch </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs366\">are not i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ded i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty u<span class=\"_ _0\"></span>ntil t<span class=\"_ _0\"></span>hey ta<span class=\"_ _0\"></span>ke effect<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs367\">Wh<span class=\"_ _0\"></span>en a<span class=\"_ _0\"></span>dju<span class=\"_ _0\"></span>stme<span class=\"_ _0\"></span>nts to lea<span class=\"_ _0\"></span>se paym<span class=\"_ _0\"></span>ents b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on a<span class=\"_ _0\"></span>n in<span class=\"_ _0\"></span>dex </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs368\">or rate ta<span class=\"_ _0\"></span>ke effect<span class=\"_ _0\"></span>, the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y is re<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs369\">adj<span class=\"_ _0\"></span>usted a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>inst t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>ight-of-u<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>set. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs36a\">Ex<span class=\"_ _0\"></span>tens<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>nd ter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns are i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ded i<span class=\"_ _0\"></span>n a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs36b\">num<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r of pro<span class=\"_ _0\"></span>per<span class=\"_ _2\"></span>ty le<span class=\"_ _0\"></span>ases i<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up. Ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>gem<span class=\"_ _0\"></span>ent </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs36c\">con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s the fa<span class=\"_ _0\"></span>cts a<span class=\"_ _0\"></span>nd ci<span class=\"_ _0\"></span>rcu<span class=\"_ _0\"></span>msta<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s that m<span class=\"_ _0\"></span>ay create </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs36d\">an e<span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>ic in<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ntive to exercise a<span class=\"_ _0\"></span>n exten<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n or </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs36e\">term<span class=\"_ _0\"></span>inat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on in o<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>r to determ<span class=\"_ _0\"></span>ine w<span class=\"_ _0\"></span>heth<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs36f\">lea<span class=\"_ _0\"></span>se ter<span class=\"_ _0\"></span>m sho<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de o<span class=\"_ _0\"></span>r exclud<span class=\"_ _0\"></span>e su<span class=\"_ _0\"></span>ch o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs370\">Ex<span class=\"_ _0\"></span>tens<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>r ter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n opti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re on<span class=\"_ _0\"></span>ly i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs371\">wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>ease ter<span class=\"_ _0\"></span>m if t<span class=\"_ _0\"></span>hey are re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs372\">be exerci<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>e of extens<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n opti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd n<span class=\"_ _0\"></span>ot </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs373\">exercise<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ase of ter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>natio<span class=\"_ _0\"></span>n opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs374\">Considera<span class=\"_ _1\"></span>tions include:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs375\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">if l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>proveme<span class=\"_ _0\"></span>nts are exp<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d to have </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs376\">sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cant va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e at the e<span class=\"_ _0\"></span>nd of th<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase ter<span class=\"_ _0\"></span>m;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs377\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>osts o<span class=\"_ _0\"></span>r bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess d<span class=\"_ _0\"></span>isr<span class=\"_ _0\"></span>upt<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs378\">rep<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g a lea<span class=\"_ _0\"></span>se; and</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs379\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant pe<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>es in<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>n or<span class=\"_ _0\"></span>der to term<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ate.<span class=\"_ _2d6\"> </span></span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs37a\">Lease ter<span class=\"_ _0\"></span>ms are r<span class=\"_ _0\"></span>eass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>f the o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n is exerci<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d or if </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs37b\">a sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cant event o<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>urs w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lse wsd gs37c\">of reas<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nty.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs37d\">The Group<span class=\"_ _1\"></span> ap<span class=\"_ _0\"></span>plies the<span class=\"_ _1\"></span> sho<span class=\"_ _0\"></span>rt-t<span class=\"_ _1\"></span>erm lease r<span class=\"_ _1\"></span>ecognition </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs37e\">exemptio<span class=\"_ _0\"></span>n to its s<span class=\"_ _0\"></span>hor<span class=\"_ _2\"></span>t<span class=\"_ _1\"></span>-ter<span class=\"_ _0\"></span>m leas<span class=\"_ _0\"></span>es of ma<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs37f\">eq<span class=\"_ _0\"></span>uip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt (i.e. th<span class=\"_ _0\"></span>ose l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>at have a leas<span class=\"_ _0\"></span>e term of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs380\">12 months o<span class=\"_ _0\"></span>r le<span class=\"_ _0\"></span>ss fro<span class=\"_ _0\"></span>m the c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt date and d<span class=\"_ _0\"></span>o </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs381\">not co<span class=\"_ _0\"></span>ntai<span class=\"_ _0\"></span>n a pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>. It a<span class=\"_ _0\"></span>lso a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs382\">of low val<span class=\"_ _0\"></span>ue a<span class=\"_ _0\"></span>ssets r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on exempt<span class=\"_ _0\"></span>ion to l<span class=\"_ _0\"></span>ease<span class=\"_ _0\"></span>s of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs383\">off<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent th<span class=\"_ _0\"></span>at are co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d of low va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e. Lease </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs384\">paym<span class=\"_ _0\"></span>ents o<span class=\"_ _0\"></span>n sho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t-term le<span class=\"_ _0\"></span>ases a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es of low va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs385\">ass<span class=\"_ _0\"></span>ets are re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d as expe<span class=\"_ _0\"></span>nses o<span class=\"_ _0\"></span>n a str<span class=\"_ _0\"></span>aig<span class=\"_ _0\"></span>ht-li<span class=\"_ _0\"></span>ne </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs386\">bas<span class=\"_ _0\"></span>is over the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e term<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs387\">Wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up i<span class=\"_ _0\"></span>s an inter<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ate less<span class=\"_ _0\"></span>or<span class=\"_ _1\"></span>, e<span class=\"_ _0\"></span>nteri<span class=\"_ _0\"></span>ng into a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs388\">sub<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ase, it a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unts fo<span class=\"_ _0\"></span>r the h<span class=\"_ _0\"></span>ead l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e and t<span class=\"_ _0\"></span>he su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs389\">sep<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ately<span class=\"_ _1\"></span>. T<span class=\"_ _0\"></span>he su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ease i<span class=\"_ _0\"></span>s cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied a<span class=\"_ _0\"></span>s a fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs38a\">op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ing l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e by referenc<span class=\"_ _0\"></span>e to the r<span class=\"_ _0\"></span>ight-of-u<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>set </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs38b\">ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng fro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e hea<span class=\"_ _0\"></span>d lea<span class=\"_ _0\"></span>se. Re<span class=\"_ _0\"></span>ntal i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ome f<span class=\"_ _0\"></span>rom o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs38c\">lea<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d on a s<span class=\"_ _0\"></span>tra<span class=\"_ _0\"></span>ight-l<span class=\"_ _0\"></span>ine b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s over the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs38d\">lea<span class=\"_ _0\"></span>se ter<span class=\"_ _0\"></span>m and t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p retai<span class=\"_ _0\"></span>ns the r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ht-of-use as<span class=\"_ _0\"></span>set </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs38e\">der<span class=\"_ _0\"></span>iv<span class=\"_ _0\"></span>ing f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>e hea<span class=\"_ _0\"></span>d le<span class=\"_ _0\"></span>ase a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs38f\">balance sheet.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs391\">Am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts due f<span class=\"_ _0\"></span>rom l<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ees u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs392\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>es e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent to the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up\u2019s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs393\">net invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se an<span class=\"_ _0\"></span>d the r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ht-of-use as<span class=\"_ _0\"></span>set </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs394\">from t<span class=\"_ _0\"></span>he he<span class=\"_ _0\"></span>ad l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e is de<span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d. A<span class=\"_ _0\"></span>ny dif<span class=\"_ _0\"></span>feren<span class=\"_ _0\"></span>ce </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs395\">resu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>ng fro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e dere<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>itio<span class=\"_ _0\"></span>n of th<span class=\"_ _0\"></span>e rig<span class=\"_ _0\"></span>ht-of-use </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs396\">ass<span class=\"_ _0\"></span>et and r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs397\">sub<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ase is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated statem<span class=\"_ _0\"></span>ent of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs398\">com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inco<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>. The h<span class=\"_ _0\"></span>ead l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y rem<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ns </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs399\">on th<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce s<span class=\"_ _0\"></span>heet a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>inu<span class=\"_ _0\"></span>es to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs39a\">be r<span class=\"_ _1\"></span>ecognised,<span class=\"_ _1\"></span> while int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t income i<span class=\"_ _1\"></span>s recognis<span class=\"_ _1\"></span>ed from<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs39b\">the sublease.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsd wsc gs39c\">Consolidation<span class=\"_ _1\"></span> of special purpose<span class=\"_ _1\"></span> vehicles (\u201cSPV<span class=\"_ _1\"></span>s\u201d)<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs39d\">Subsidiari<span class=\"_ _0\"></span>es are those en<span class=\"_ _1\"></span>tities, inc<span class=\"_ _0\"></span>luding stru<span class=\"_ _0\"></span>ctured </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs39e\">vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es, over wh<span class=\"_ _0\"></span>ich t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l. Th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs39f\">cont<span class=\"_ _0\"></span>rol<span class=\"_ _0\"></span>s an ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y whe<span class=\"_ _0\"></span>n it is exp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d, or h<span class=\"_ _0\"></span>as ri<span class=\"_ _0\"></span>ghts, to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3a0\">var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le retu<span class=\"_ _0\"></span>rns f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>ts involve<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt with t<span class=\"_ _0\"></span>he ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3a1\">has th<span class=\"_ _0\"></span>e abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty to af<span class=\"_ _0\"></span>fect t<span class=\"_ _0\"></span>hose retu<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>s thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h its p<span class=\"_ _0\"></span>ower </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3a2\">over the i<span class=\"_ _0\"></span>nvestee. Th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s power over a<span class=\"_ _0\"></span>n enti<span class=\"_ _0\"></span>ty </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3a3\">whe<span class=\"_ _0\"></span>n it ha<span class=\"_ _0\"></span>s existi<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ight<span class=\"_ _0\"></span>s that g<span class=\"_ _0\"></span>ive it th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent a<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3a4\">to direc<span class=\"_ _0\"></span>t the a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>ies th<span class=\"_ _0\"></span>at mos<span class=\"_ _0\"></span>t sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant<span class=\"_ _0\"></span>ly af<span class=\"_ _0\"></span>fect th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3a5\">enti<span class=\"_ _0\"></span>ty<span class=\"_ _2\"></span>\u2019s returns. P<span class=\"_ _0\"></span>ower may be d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the b<span class=\"_ _0\"></span>asis </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3a6\">of voting r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>hts or, in the ca<span class=\"_ _0\"></span>se of st<span class=\"_ _0\"></span>ruc<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>d enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s, othe<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs3a7\">contract<span class=\"_ _1\"></span>ual arrangements.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3a8\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses wh<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er it c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>ls S<span class=\"_ _0\"></span>PVs and t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs3a9\">requiremen<span class=\"_ _1\"></span>t t<span class=\"_ _1\"></span>o consolidat<span class=\"_ _1\"></span>e them<span class=\"_ _1\"></span> under the crit<span class=\"_ _1\"></span>eria of<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3aa\">IFR<span class=\"_ _0\"></span>S 10. Co<span class=\"_ _0\"></span>ntrol i<span class=\"_ _0\"></span>s determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed to exist i<span class=\"_ _0\"></span>f the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3ab\">the p<span class=\"_ _0\"></span>ower to dire<span class=\"_ _0\"></span>ct th<span class=\"_ _0\"></span>e act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s of eac<span class=\"_ _0\"></span>h enti<span class=\"_ _0\"></span>ty (for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3ac\">examp<span class=\"_ _0\"></span>le, ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce of t<span class=\"_ _0\"></span>he u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3ad\">ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d rai<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g debt o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>ose as<span class=\"_ _0\"></span>sets w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h is us<span class=\"_ _0\"></span>ed to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3ae\">fun<span class=\"_ _0\"></span>d the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up) and u<span class=\"_ _0\"></span>ses t<span class=\"_ _0\"></span>his c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l to obtai<span class=\"_ _0\"></span>n a var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3af\">retur<span class=\"_ _0\"></span>n (for exampl<span class=\"_ _0\"></span>e, retai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e resi<span class=\"_ _0\"></span>dua<span class=\"_ _0\"></span>l ri<span class=\"_ _0\"></span>sk on t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3b0\">ass<span class=\"_ _0\"></span>ets)<span class=\"_ _1\"></span>. S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>res th<span class=\"_ _0\"></span>at do not m<span class=\"_ _0\"></span>eet t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e cri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a are n<span class=\"_ _0\"></span>ot </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3b1\">treated as s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets are d<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3b2\">whe<span class=\"_ _0\"></span>n the r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>hts to the c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows h<span class=\"_ _0\"></span>ave ende<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3b3\">Wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up m<span class=\"_ _0\"></span>ana<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s the a<span class=\"_ _0\"></span>dmi<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>trat<span class=\"_ _0\"></span>ion of i<span class=\"_ _0\"></span>ts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3b4\">sec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d is expos<span class=\"_ _0\"></span>ed to th<span class=\"_ _0\"></span>e ris<span class=\"_ _0\"></span>ks an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3b5\">rewards of t<span class=\"_ _0\"></span>he un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rly<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g ass<span class=\"_ _0\"></span>ets thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h its c<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3b6\">investm<span class=\"_ _0\"></span>ent o<span class=\"_ _0\"></span>r whe<span class=\"_ _0\"></span>re the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up do<span class=\"_ _0\"></span>es not ret<span class=\"_ _0\"></span>ain a d<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ct </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3b7\">owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hip i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>n an S<span class=\"_ _0\"></span>PE, bu<span class=\"_ _0\"></span>t the D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s have </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3b8\">determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed th<span class=\"_ _0\"></span>at the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p co<span class=\"_ _0\"></span>ntro<span class=\"_ _0\"></span>ls th<span class=\"_ _0\"></span>ose ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3b9\">bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teria of I<span class=\"_ _0\"></span>FRS 10, th<span class=\"_ _0\"></span>ey are tre<span class=\"_ _0\"></span>ated as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3ba\">subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>nd a<span class=\"_ _0\"></span>re co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated. S<span class=\"_ _0\"></span>ee note 29 for det<span class=\"_ _0\"></span>ail<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs3bb\">of these entities.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3d ws3e gs3bc\">Inv<span class=\"_ _1\"></span>estment in associat<span class=\"_ _1\"></span>es<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3bd\">An as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciate is a<span class=\"_ _0\"></span>n enti<span class=\"_ _0\"></span>ty over w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs3be\">significant influence.<span class=\"_ _1\"></span> Signif<span class=\"_ _0\"></span>icant in<span class=\"_ _1\"></span>flu<span class=\"_ _0\"></span>ence is<span class=\"_ _1\"></span> the power<span class=\"_ _1\"></span> to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3bf\">par<span class=\"_ _2\"></span>ticip<span class=\"_ _0\"></span>ate in th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g po<span class=\"_ _0\"></span>lic<span class=\"_ _0\"></span>y dec<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ons </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3c0\">of the i<span class=\"_ _0\"></span>nvestee, but i<span class=\"_ _0\"></span>s not c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l or j<span class=\"_ _0\"></span>oint c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>ol over </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs3c1\">those policies.<span class=\"_ _1\"></span> The considerations m<span class=\"_ _1\"></span>ade in det<span class=\"_ _1\"></span>ermining </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3c2\">sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cant i<span class=\"_ _0\"></span>nfl<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>r jo<span class=\"_ _0\"></span>int co<span class=\"_ _0\"></span>ntro<span class=\"_ _0\"></span>l are s<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r to those </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3c3\">nec<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sar<span class=\"_ _2\"></span>y t<span class=\"_ _1\"></span>o d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>ine c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>ol over su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3c4\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s investm<span class=\"_ _0\"></span>ent in i<span class=\"_ _0\"></span>ts as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iate is ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unted for u<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3c5\">the e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y meth<span class=\"_ _0\"></span>od.<span class=\"_ _2d6\"> </span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3c7\">Un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ty m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d of ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g, th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ents </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3c8\">are i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed at c<span class=\"_ _0\"></span>ost. T<span class=\"_ _0\"></span>his i<span class=\"_ _0\"></span>s adj<span class=\"_ _0\"></span>usted t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>reaf<span class=\"_ _0\"></span>ter </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3c9\">to reco<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>re of the p<span class=\"_ _0\"></span>ost-ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3ca\">prof<span class=\"_ _0\"></span>its o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s of the i<span class=\"_ _0\"></span>nvestee in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs3cb\">sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span>. The Group\u2019<span class=\"_ _1\"></span>s share<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs3cc\">of<span class=\"_ _1\"></span> movemen<span class=\"_ _1\"></span>ts in o<span class=\"_ _1\"></span>ther comprehens<span class=\"_ _1\"></span>ive income<span class=\"_ _1\"></span> of the<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3cd\">investee is r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in oth<span class=\"_ _0\"></span>er c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>hen<span class=\"_ _0\"></span>sive in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3ce\">Div<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>s rece<span class=\"_ _0\"></span>ived o<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e from a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3cf\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as a re<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unt of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs3d0\">the inv<span class=\"_ _1\"></span>estm<span class=\"_ _0\"></span>ent.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3d1\">Wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>re of los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s in an e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y-ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unted </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3d2\">investm<span class=\"_ _0\"></span>ent e<span class=\"_ _0\"></span>qua<span class=\"_ _0\"></span>ls o<span class=\"_ _0\"></span>r exceed<span class=\"_ _0\"></span>s its inter<span class=\"_ _0\"></span>est in t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3d3\">inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng any oth<span class=\"_ _0\"></span>er u<span class=\"_ _0\"></span>nse<span class=\"_ _0\"></span>cure<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>-term re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>les<span class=\"_ _0\"></span>, the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3d4\">Gro<span class=\"_ _0\"></span>up do<span class=\"_ _0\"></span>es n<span class=\"_ _0\"></span>ot reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise f<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es, u<span class=\"_ _0\"></span>nl<span class=\"_ _0\"></span>ess i<span class=\"_ _0\"></span>t has </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3d5\">inc<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>red o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>igat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s or ma<span class=\"_ _0\"></span>de p<span class=\"_ _0\"></span>ayment<span class=\"_ _0\"></span>s on b<span class=\"_ _0\"></span>eha<span class=\"_ _0\"></span>lf of th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs3d6\">other<span class=\"_ _1\"></span> entity<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3d7\">Unr<span class=\"_ _0\"></span>eal<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d ga<span class=\"_ _0\"></span>ins o<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ons b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ween t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p and </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3d8\">its as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciates a<span class=\"_ _0\"></span>re el<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>nated to th<span class=\"_ _0\"></span>e extent of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3d9\">interes<span class=\"_ _0\"></span>t in th<span class=\"_ _0\"></span>ese e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>. Un<span class=\"_ _0\"></span>real<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s are al<span class=\"_ _0\"></span>so </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3da\">el<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>nated u<span class=\"_ _0\"></span>nl<span class=\"_ _0\"></span>ess t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n provi<span class=\"_ _0\"></span>des evi<span class=\"_ _0\"></span>den<span class=\"_ _0\"></span>ce of an </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3db\">im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3dc\">Af<span class=\"_ _0\"></span>ter ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>icat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of the e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty m<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>od, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3dd\">determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r it is n<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y to re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>e an </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3de\">im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss o<span class=\"_ _0\"></span>n its i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in it<span class=\"_ _0\"></span>s ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate. At </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3df\">eac<span class=\"_ _0\"></span>h rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ing d<span class=\"_ _0\"></span>ate, the Gro<span class=\"_ _0\"></span>up d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s whet<span class=\"_ _0\"></span>her </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3e0\">the<span class=\"_ _0\"></span>re is an i<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n that th<span class=\"_ _0\"></span>e invest<span class=\"_ _0\"></span>ment i<span class=\"_ _0\"></span>n the a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ate </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3e1\">is im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ired<span class=\"_ _0\"></span>. If th<span class=\"_ _0\"></span>ere is s<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>h an i<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3e2\">ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lates th<span class=\"_ _0\"></span>e am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of imp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt as th<span class=\"_ _0\"></span>e dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3e3\">bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n the re<span class=\"_ _0\"></span>cover<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of the as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciate an<span class=\"_ _0\"></span>d its </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3e4\">ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>ing va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e, and t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s the l<span class=\"_ _0\"></span>oss w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs3e5\">sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3e6\">Up<span class=\"_ _0\"></span>on l<span class=\"_ _0\"></span>oss of si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant inf<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce over th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3e7\">the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s any retai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3e8\">investm<span class=\"_ _0\"></span>ent at it<span class=\"_ _0\"></span>s fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e. A<span class=\"_ _0\"></span>ny dif<span class=\"_ _0\"></span>feren<span class=\"_ _0\"></span>ce b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3e9\">ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate upo<span class=\"_ _0\"></span>n los<span class=\"_ _0\"></span>s of si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3ea\">inf<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>e or j<span class=\"_ _0\"></span>oint c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of the ret<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs3eb\">inv<span class=\"_ _1\"></span>estmen<span class=\"_ _1\"></span>t and pr<span class=\"_ _1\"></span>oceeds fr<span class=\"_ _1\"></span>om dispo<span class=\"_ _1\"></span>sal is r<span class=\"_ _1\"></span>ecognised in<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs3ec\">pro<span class=\"_ _1\"></span>fit or loss.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs3ed\">Financial<span class=\"_ _1\"></span> instruments<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs3ee\">Financial<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3ef\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p deter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of its f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3f0\">ass<span class=\"_ _0\"></span>ets at in<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>al rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>e req<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts of IFR<span class=\"_ _0\"></span>S </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3f1\">9 for cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n and s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3f2\">ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>ed, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>re fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets to be c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3f3\">bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s mo<span class=\"_ _0\"></span>del fo<span class=\"_ _0\"></span>r man<span class=\"_ _0\"></span>agi<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3f4\">ass<span class=\"_ _0\"></span>et and t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>low c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>acte<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>tic<span class=\"_ _0\"></span>s of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsba wsb7 gs3f5\">the asset:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs3f6\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost if </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3f7\">they a<span class=\"_ _0\"></span>re hel<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n a bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el, t<span class=\"_ _0\"></span>he ob<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>ctive </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3f8\">of whi<span class=\"_ _0\"></span>ch is to ho<span class=\"_ _0\"></span>ld f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets in o<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>r to col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ct </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3f9\">cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows, an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3fa\">rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y paym<span class=\"_ _0\"></span>ents of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l and i<span class=\"_ _0\"></span>nterest;<span class=\"_ _2d6\"> </span> </div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs3fc\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3fd\">othe<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>mpre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>ome (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TOCI<span class=\"_ _2\"></span>\u201d) if th<span class=\"_ _0\"></span>ey are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3fe\">hel<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed as \u201d<span class=\"_ _0\"></span>hel<span class=\"_ _0\"></span>d to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs3ff\">co<span class=\"_ _0\"></span>lle<span class=\"_ _0\"></span>ct a<span class=\"_ _0\"></span>nd se<span class=\"_ _0\"></span>ll<span class=\"_ _2\"></span>\u201d<span class=\"_ _5\"></span>, t<span class=\"_ _0\"></span>he ob<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve of whic<span class=\"_ _0\"></span>h is ac<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>eved </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs400\">by both c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ctin<span class=\"_ _0\"></span>g co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows an<span class=\"_ _0\"></span>d se<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs401\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs402\">rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y paym<span class=\"_ _0\"></span>ents of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l and i<span class=\"_ _0\"></span>nterest; a<span class=\"_ _0\"></span>nd</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs403\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets that d<span class=\"_ _0\"></span>o not me<span class=\"_ _0\"></span>et the c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a to be </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs404\">amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cost o<span class=\"_ _0\"></span>r F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TOCI a<span class=\"_ _0\"></span>re mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs405\">thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s (\u201c<span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>PL<span class=\"_ _5\"></span>\u201d). In ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n, the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs406\">Gro<span class=\"_ _0\"></span>up may<span class=\"_ _1\"></span>, at i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on, d<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gnate a f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs407\">ass<span class=\"_ _0\"></span>et as me<span class=\"_ _0\"></span>asure<span class=\"_ _0\"></span>d at F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL i<span class=\"_ _0\"></span>f doi<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>o el<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>nates o<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs408\">significantly r<span class=\"_ _1\"></span>educes an accounting mi<span class=\"_ _1\"></span>smatch.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs409\">Wh<span class=\"_ _0\"></span>en f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly, they are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs40a\">mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e, pl<span class=\"_ _0\"></span>us, i<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ase of i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs40b\">not at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t or l<span class=\"_ _0\"></span>oss, d<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly at<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>utab<span class=\"_ _0\"></span>le </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs40c\">tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>osts<span class=\"_ _0\"></span>. The p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase of a<span class=\"_ _0\"></span>ny cred<span class=\"_ _0\"></span>it-im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs40d\">ass<span class=\"_ _0\"></span>ets is a<span class=\"_ _0\"></span>lso at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue af<span class=\"_ _0\"></span>ter a<span class=\"_ _0\"></span>ny imp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs40e\">Exce<span class=\"_ _0\"></span>pt for ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n invest<span class=\"_ _0\"></span>ments i<span class=\"_ _0\"></span>n S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s as des<span class=\"_ _0\"></span>cr<span class=\"_ _0\"></span>ibe<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs40f\">be<span class=\"_ _0\"></span>low, the Gro<span class=\"_ _0\"></span>up do<span class=\"_ _0\"></span>es n<span class=\"_ _0\"></span>ot reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise o<span class=\"_ _0\"></span>n its b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>eet </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs410\">lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>rra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nvestors as i<span class=\"_ _0\"></span>t is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs411\">not a pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pal p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y to the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>s not expo<span class=\"_ _0\"></span>sed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs412\">to the ri<span class=\"_ _0\"></span>sks a<span class=\"_ _0\"></span>nd rewa<span class=\"_ _0\"></span>rds of the<span class=\"_ _0\"></span>se l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs413\">Wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e excepti<span class=\"_ _0\"></span>on of invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in tr<span class=\"_ _0\"></span>usts a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>-<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs414\">investm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs415\">prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd lo<span class=\"_ _0\"></span>ss, a<span class=\"_ _0\"></span>ll f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d to coll<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs416\">cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs417\">The fou<span class=\"_ _0\"></span>r ty<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>s of SM<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>re as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls171 ws172 gs418\">i) SME loan<span class=\"_ _1\"></span>s held at<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alue through<span class=\"_ _1\"></span> profit and lo<span class=\"_ _1\"></span>ss<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs419\">Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e se<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>s previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly r<span class=\"_ _0\"></span>un </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs41a\">by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, SME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns were o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ated in l<span class=\"_ _0\"></span>evera<span class=\"_ _0\"></span>ged </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs41b\">ware<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>se veh<span class=\"_ _0\"></span>icl<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>nd su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>entl<span class=\"_ _0\"></span>y sol<span class=\"_ _0\"></span>d into </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs41c\">sec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on S<span class=\"_ _0\"></span>PVs. By 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023 the wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs41d\">vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es ha<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>en rep<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d and t<span class=\"_ _0\"></span>he s<span class=\"_ _0\"></span>ecu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs41e\">unwou<span class=\"_ _0\"></span>nd wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans of t<span class=\"_ _0\"></span>he vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs41f\">dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y he<span class=\"_ _0\"></span>ld by sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p an<span class=\"_ _0\"></span>d rema<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs420\">bo<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s were re<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>ese S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns have be<span class=\"_ _0\"></span>en </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs421\">cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l as<span class=\"_ _0\"></span>sets at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs422\">or l<span class=\"_ _0\"></span>oss b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>aus<span class=\"_ _0\"></span>e al<span class=\"_ _0\"></span>l su<span class=\"_ _0\"></span>ch lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>re ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs423\">for se<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing i<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t-term an<span class=\"_ _0\"></span>d the c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n of intere<span class=\"_ _0\"></span>st </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs424\">is in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>denta<span class=\"_ _0\"></span>l. Ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly th<span class=\"_ _0\"></span>is cate<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>des l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs425\">temp<span class=\"_ _0\"></span>ora<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ly fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs426\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets at fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t or l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs427\">are he<span class=\"_ _0\"></span>ld w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he i<span class=\"_ _0\"></span>ntentio<span class=\"_ _0\"></span>n of sel<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>n to investors<span class=\"_ _0\"></span>. They </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs428\">are i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce sh<span class=\"_ _0\"></span>eet </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs429\">wit<span class=\"_ _0\"></span>h the s<span class=\"_ _0\"></span>ubse<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue wi<span class=\"_ _0\"></span>th al<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs42a\">gai<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>ing re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs42b\">sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls2 ws2 gs42d\">ii) S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs42e\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ha<span class=\"_ _0\"></span>d or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nated PPP l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns us<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>BA\u2019s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs42f\">PPPLF fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>ese we<span class=\"_ _0\"></span>re hel<span class=\"_ _0\"></span>d on b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>eet. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs430\">Addi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ho<span class=\"_ _0\"></span>lds i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in S<span class=\"_ _0\"></span>ME </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs431\">bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns as a res<span class=\"_ _0\"></span>ult of c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mer<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ar<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs432\">with institutional invest<span class=\"_ _1\"></span>ors and in cer<span class=\"_ _0\"></span>tain circu<span class=\"_ _0\"></span>mstances </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs433\">the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p al<span class=\"_ _0\"></span>so bu<span class=\"_ _0\"></span>ys bac<span class=\"_ _0\"></span>k lo<span class=\"_ _0\"></span>ans f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nvestors<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs434\">The<span class=\"_ _0\"></span>se lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d in S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs435\">cost (se<span class=\"_ _0\"></span>e note 12<span class=\"_ _1\"></span>) a<span class=\"_ _0\"></span>nd a<span class=\"_ _0\"></span>re cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed as a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs436\">(as they are h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d so<span class=\"_ _0\"></span>lel<span class=\"_ _0\"></span>y to col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ct pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pal a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs437\">paym<span class=\"_ _0\"></span>ents) and a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs438\">and s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>uent<span class=\"_ _0\"></span>ly me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red at a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tised c<span class=\"_ _0\"></span>ost l<span class=\"_ _0\"></span>ess </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs439\">provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n for im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>. PPP lo<span class=\"_ _0\"></span>ans we<span class=\"_ _0\"></span>re ful<span class=\"_ _0\"></span>ly g<span class=\"_ _0\"></span>uar<span class=\"_ _0\"></span>antee<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs43a\">by the S<span class=\"_ _0\"></span>BA<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls171 ws172 gs43b\">iii) L<span class=\"_ _1\"></span>ines of cr<span class=\"_ _1\"></span>edit<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs43c\">Len<span class=\"_ _1\"></span>ding thro<span class=\"_ _1\"></span>ugh the F<span class=\"_ _1\"></span>lexiPa<span class=\"_ _1\"></span>y pr<span class=\"_ _1\"></span>oduct is<span class=\"_ _1\"></span> recognised<span class=\"_ _1\"></span> on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs43d\">the b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>eet wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t. Th<span class=\"_ _0\"></span>is re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs43e\">the d<span class=\"_ _0\"></span>rawn a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>, net of ECL<span class=\"_ _0\"></span>. The </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs43f\">cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt so<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ly paym<span class=\"_ _0\"></span>ents of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs440\">pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st (\u201c<span class=\"_ _0\"></span>S<span class=\"_ _0\"></span>PPI<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) an<span class=\"_ _0\"></span>d the b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs441\">un<span class=\"_ _0\"></span>der w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h they a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld is i<span class=\"_ _0\"></span>n ord<span class=\"_ _0\"></span>er to co<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ect t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs442\">cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows resu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>n the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs443\">be<span class=\"_ _0\"></span>ing m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>d ini<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>uent<span class=\"_ _0\"></span>ly </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs444\">at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>. The o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>natio<span class=\"_ _0\"></span>n fee as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs445\">Flexi<span class=\"_ _0\"></span>Pay is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9 wit<span class=\"_ _0\"></span>hin i<span class=\"_ _0\"></span>nterest </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs446\">inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e at the ef<span class=\"_ _0\"></span>fec<span class=\"_ _0\"></span>tive intere<span class=\"_ _0\"></span>st rate in t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs447\">sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> and is r<span class=\"_ _1\"></span>ecognised </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs448\">over the exp<span class=\"_ _0\"></span>ected l<span class=\"_ _0\"></span>ife of th<span class=\"_ _0\"></span>e drawdow<span class=\"_ _0\"></span>n. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs449\">The Fl<span class=\"_ _0\"></span>exiP<span class=\"_ _0\"></span>ay lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld n<span class=\"_ _0\"></span>et of expec<span class=\"_ _0\"></span>ted </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs44a\">cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owan<span class=\"_ _0\"></span>ces u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9, the met<span class=\"_ _0\"></span>hod<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs44b\">and d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns of wh<span class=\"_ _0\"></span>ich a<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gn to the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs44c\">po<span class=\"_ _0\"></span>lic<span class=\"_ _0\"></span>y on i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ment of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs44d\">cost w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he excepti<span class=\"_ _0\"></span>on of b<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>ng as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d at the avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs44e\">li<span class=\"_ _0\"></span>ne of cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>evel, es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g the u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs44f\">cre<span class=\"_ _0\"></span>dit to th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of defaul<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d are det<span class=\"_ _0\"></span>ail<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs450\">fur<span class=\"_ _2\"></span>ther wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n note 16. Add<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>ses </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs451\">the exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e in re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on to un<span class=\"_ _0\"></span>draw<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs452\">li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t, est<span class=\"_ _0\"></span>imat<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>roba<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt, l<span class=\"_ _0\"></span>oss </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs453\">give<span class=\"_ _0\"></span>n defau<span class=\"_ _0\"></span>lt an<span class=\"_ _0\"></span>d expos<span class=\"_ _0\"></span>ure at defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t in rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the<span class=\"_ _0\"></span>se </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs454\">li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t were th<span class=\"_ _0\"></span>ey to be draw<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>is un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>awn </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs455\">po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of the l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce is r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs456\">lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>n note 15.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls174 ws175 gs458\">iv)<span class=\"_ _1\"></span> Investm<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>nt in<span class=\"_ _1\"></span> trusts and co-in<span class=\"_ _1\"></span>vestments<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs459\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ho<span class=\"_ _0\"></span>lds a m<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>al own<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs45a\">tru<span class=\"_ _0\"></span>sts s<span class=\"_ _0\"></span>et up to fun<span class=\"_ _0\"></span>d CB<span class=\"_ _0\"></span>ILS<span class=\"_ _0\"></span>, RLS a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>erc<span class=\"_ _0\"></span>ial l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs45b\">wit<span class=\"_ _0\"></span>h the m<span class=\"_ _0\"></span>ajo<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty of t<span class=\"_ _0\"></span>he be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ial ow<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ip h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d by </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs45c\">ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>nal i<span class=\"_ _0\"></span>nvestors<span class=\"_ _0\"></span>. The S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns ar<span class=\"_ _0\"></span>e ori<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nated by </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs45d\">Gro<span class=\"_ _0\"></span>up su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es, Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cle Fo<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l Poi<span class=\"_ _0\"></span>nt Lend<span class=\"_ _0\"></span>ing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs45e\">Lim<span class=\"_ _0\"></span>ited for C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS an<span class=\"_ _0\"></span>d Fund<span class=\"_ _0\"></span>ing C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le Ec<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>pse Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs45f\">Lim<span class=\"_ _0\"></span>ited o<span class=\"_ _0\"></span>r Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le Po<span class=\"_ _0\"></span>lar<span class=\"_ _0\"></span>is Len<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Li<span class=\"_ _0\"></span>mite<span class=\"_ _0\"></span>d for RLS </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs460\">and c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>rcia<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>ans, w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch reta<span class=\"_ _0\"></span>in le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l tit<span class=\"_ _0\"></span>le to th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>ns. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs461\">The<span class=\"_ _0\"></span>se ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es ho<span class=\"_ _0\"></span>ld t<span class=\"_ _0\"></span>his l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>al ti<span class=\"_ _0\"></span>tle o<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>ust o<span class=\"_ _0\"></span>n be<span class=\"_ _0\"></span>hal<span class=\"_ _0\"></span>f of the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs462\">maj<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y investor<span class=\"_ _0\"></span>s who s<span class=\"_ _0\"></span>ubst<span class=\"_ _0\"></span>anti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y retai<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e eco<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs463\">be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>its th<span class=\"_ _0\"></span>e CB<span class=\"_ _0\"></span>ILS<span class=\"_ _0\"></span>, RLS a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>erc<span class=\"_ _0\"></span>ial l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns ge<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rate </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs464\">and t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>refore the t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d the a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs465\">inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans, a<span class=\"_ _0\"></span>re not c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs466\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses wh<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er it c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>ls th<span class=\"_ _0\"></span>e tr<span class=\"_ _0\"></span>ust </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs467\">str<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>re un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r the c<span class=\"_ _0\"></span>rite<span class=\"_ _0\"></span>ria of I<span class=\"_ _0\"></span>FRS 10. C<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>rol is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs468\">determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed to exist i<span class=\"_ _0\"></span>f the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has t<span class=\"_ _0\"></span>he powe<span class=\"_ _0\"></span>r to dire<span class=\"_ _0\"></span>ct </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs469\">the a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>viti<span class=\"_ _0\"></span>es of ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d str<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>ures a<span class=\"_ _0\"></span>nd us<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs46a\">cont<span class=\"_ _0\"></span>rol to obta<span class=\"_ _0\"></span>in a va<span class=\"_ _0\"></span>ria<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e retur<span class=\"_ _0\"></span>n, to whi<span class=\"_ _0\"></span>ch it i<span class=\"_ _0\"></span>s expos<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs46b\">to the ma<span class=\"_ _0\"></span>jo<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty. As the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs46c\">sma<span class=\"_ _0\"></span>ll c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pare<span class=\"_ _0\"></span>d to the ma<span class=\"_ _0\"></span>jo<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nvestor an<span class=\"_ _0\"></span>d par<span class=\"_ _0\"></span>i pas<span class=\"_ _0\"></span>su, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs46d\">the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is not exp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d to the ma<span class=\"_ _0\"></span>jo<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty of th<span class=\"_ _0\"></span>e var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs46e\">in th<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of th<span class=\"_ _0\"></span>e tru<span class=\"_ _0\"></span>st, an<span class=\"_ _0\"></span>d it i<span class=\"_ _0\"></span>s not co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs46f\">cont<span class=\"_ _0\"></span>rol t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ust s<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>ctu<span class=\"_ _0\"></span>res, so t<span class=\"_ _0\"></span>hey are n<span class=\"_ _0\"></span>ot co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs470\">by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs471\">Investm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>usts a<span class=\"_ _0\"></span>re cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs472\">prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd lo<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>. They ar<span class=\"_ _0\"></span>e ini<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs473\">on th<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce s<span class=\"_ _0\"></span>heet w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ent me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>reme<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs474\">at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>h al<span class=\"_ _0\"></span>l gai<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>ing re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs475\">the con<span class=\"_ _1\"></span>solidated<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ement o<span class=\"_ _1\"></span>f comprehensiv<span class=\"_ _1\"></span>e income.<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs476\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion fe<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs477\">or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>on of l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ust a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ice fee </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs478\">inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on t<span class=\"_ _0\"></span>he as<span class=\"_ _0\"></span>sets wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the t<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>st, el<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>inat<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g its </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs479\">pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l owne<span class=\"_ _0\"></span>rsh<span class=\"_ _0\"></span>ip s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re of the s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ce fee<span class=\"_ _0\"></span>s. A </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs47a\">sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r fee is c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>ged i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs47b\">of CB<span class=\"_ _0\"></span>ILS a<span class=\"_ _0\"></span>nd R<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs47c\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in re<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion to retur<span class=\"_ _0\"></span>ns o<span class=\"_ _0\"></span>n the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs47d\">Other financial<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs47e\">Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e she<span class=\"_ _0\"></span>et as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs47f\">tra<span class=\"_ _0\"></span>de an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>e cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed as a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs480\">cost<span class=\"_ _0\"></span>. They a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>niti<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs481\">subse<span class=\"_ _1\"></span>quently m<span class=\"_ _1\"></span>easured<span class=\"_ _1\"></span> at amortised<span class=\"_ _1\"></span> cost less<span class=\"_ _1\"></span> prov<span class=\"_ _1\"></span>ision </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs482\">for<span class=\"_ _1\"></span> impairment. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs483\">Net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in s<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>eivab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>es are re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs484\">as othe<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es rep<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e net p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs485\">valu<span class=\"_ _0\"></span>e of th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se paym<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e. I<span class=\"_ _0\"></span>nterest is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs486\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r cos<span class=\"_ _0\"></span>ts in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs487\">comprehensi<span class=\"_ _1\"></span>ve income.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs488\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tised </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs489\">cost w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he excepti<span class=\"_ _0\"></span>on of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey mar<span class=\"_ _0\"></span>ket fund<span class=\"_ _0\"></span>s that </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs48a\">are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL<span class=\"_ _0\"></span>. Ca<span class=\"_ _0\"></span>sh an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>val<span class=\"_ _0\"></span>ents </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs48b\">inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de c<span class=\"_ _0\"></span>ash i<span class=\"_ _0\"></span>n ha<span class=\"_ _0\"></span>nd, de<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>its h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at ca<span class=\"_ _0\"></span>ll wi<span class=\"_ _0\"></span>th ba<span class=\"_ _0\"></span>nks, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs48c\">money<span class=\"_ _1\"></span> market<span class=\"_ _1\"></span> funds and<span class=\"_ _1\"></span> other short<span class=\"_ _1\"></span>-term h<span class=\"_ _1\"></span>ighly liquid </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs48d\">investm<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>ith o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>al m<span class=\"_ _0\"></span>atur<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s of thre<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>nths o<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs48e\">les<span class=\"_ _0\"></span>s. T<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roximates </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs48f\">to thei<span class=\"_ _0\"></span>r fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls171 ws172 gs491\">Impairment<span class=\"_ _1\"></span> of financial<span class=\"_ _1\"></span> assets h<span class=\"_ _1\"></span>eld at amortised<span class=\"_ _1\"></span> cost<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs492\">The Gr<span class=\"_ _1\"></span>oup applies the<span class=\"_ _1\"></span> impairment requir<span class=\"_ _1\"></span>ements o<span class=\"_ _1\"></span>f </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs493\">IFR<span class=\"_ _0\"></span>S 9. The I<span class=\"_ _0\"></span>FRS 9 im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>irm<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>res a th<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>-<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs494\">stage appr<span class=\"_ _1\"></span>oach:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs495\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 1 in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>at have not </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs496\">had a s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k sin<span class=\"_ _0\"></span>ce i<span class=\"_ _0\"></span>niti<span class=\"_ _0\"></span>al </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs497\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>r that h<span class=\"_ _0\"></span>ave low cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk at t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>por<span class=\"_ _2\"></span>ting </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs498\">date. For th<span class=\"_ _0\"></span>ese a<span class=\"_ _0\"></span>ssets<span class=\"_ _0\"></span>, 12<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>mont<span class=\"_ _0\"></span>h expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs499\">los<span class=\"_ _0\"></span>ses (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>ECL<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u201d) (that i<span class=\"_ _0\"></span>s, expe<span class=\"_ _0\"></span>cted l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng f<span class=\"_ _0\"></span>rom </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs49a\">the r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of defau<span class=\"_ _0\"></span>lt in t<span class=\"_ _0\"></span>he nex<span class=\"_ _0\"></span>t 12 month<span class=\"_ _0\"></span>s) are reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs49b\">and i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e is ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated on th<span class=\"_ _0\"></span>e gros<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs49c\">amo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e as<span class=\"_ _0\"></span>set (that is<span class=\"_ _0\"></span>, wit<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>t ded<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs49d\">cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e)<span class=\"_ _1\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs49e\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 2 in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>at have had a </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws4c gs49f\">significant increa<span class=\"_ _1\"></span>se in credit risk<span class=\"_ _1\"></span> since initial recognition </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4a0\">(unle<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>ey have low cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k at the r<span class=\"_ _0\"></span>epo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date) </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4a1\">but a<span class=\"_ _0\"></span>re not c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>red. Fo<span class=\"_ _0\"></span>r the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets, l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4a2\">ECLs (th<span class=\"_ _0\"></span>at is, exp<span class=\"_ _0\"></span>ected l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g from t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isk of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4a3\">defau<span class=\"_ _0\"></span>lt over th<span class=\"_ _0\"></span>e life of th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent) are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4a4\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d, an<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e is st<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lated o<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4a5\">the g<span class=\"_ _0\"></span>ross c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4a6\">ass<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>re has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n a si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4a7\">ris<span class=\"_ _0\"></span>k if o<span class=\"_ _0\"></span>utst<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unts o<span class=\"_ _0\"></span>n the f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4a8\">exceed 3<span class=\"_ _0\"></span>0 days pas<span class=\"_ _0\"></span>t due, i<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e rebu<span class=\"_ _0\"></span>tta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4a9\">pres<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n pe<span class=\"_ _0\"></span>r IFRS 9, o<span class=\"_ _0\"></span>r if a li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t is late, or </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4aa\">has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n frozen due to an i<span class=\"_ _0\"></span>dent<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease i<span class=\"_ _0\"></span>n ri<span class=\"_ _0\"></span>sk </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4ab\">suc<span class=\"_ _0\"></span>h as b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>ate on a thi<span class=\"_ _0\"></span>rd pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty d<span class=\"_ _0\"></span>ebt at wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4ac\">po<span class=\"_ _0\"></span>int th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to be s<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 2.</div><div class=\"t m7 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs4ad\"> <span class=\"_ _1d\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff1a fc5 ls5d ws111\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e <span class=\"_ _1\"></span>3 con<span class=\"_ _0\"></span>sist<span class=\"_ _0\"></span>s <span class=\"_ _1\"></span>of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l assets that are <span class=\"_ _1\"></span>c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-\u200aimpa<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d,<span class=\"_ _2d6\"> </span></span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs4ae\">whi<span class=\"_ _0\"></span>ch is w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re events th<span class=\"_ _0\"></span>at have a detri<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>ntal<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs4af\">im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t on th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated f<span class=\"_ _0\"></span>uture c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4b0\">ass<span class=\"_ _0\"></span>et have occ<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>red. Fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>ese as<span class=\"_ _0\"></span>sets, l<span class=\"_ _0\"></span>ifeti<span class=\"_ _0\"></span>me EC<span class=\"_ _0\"></span>Ls </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4b1\">are a<span class=\"_ _0\"></span>lso re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed, b<span class=\"_ _0\"></span>ut i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4b2\">on th<span class=\"_ _0\"></span>e net c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt (that is, n<span class=\"_ _0\"></span>et of the EC<span class=\"_ _0\"></span>L </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4b3\">al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce). The Gro<span class=\"_ _0\"></span>up def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es a defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t, cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4b4\">sta<span class=\"_ _0\"></span>ge 3, as a<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>et wit<span class=\"_ _0\"></span>h any out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4b5\">exceed<span class=\"_ _0\"></span>ing a 9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>day du<span class=\"_ _0\"></span>e date, whi<span class=\"_ _0\"></span>ch ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e poi<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4b6\">at whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>ted. A<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4b7\">acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt that is d<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>d to be fra<span class=\"_ _0\"></span>udu<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nt (i.e. t<span class=\"_ _0\"></span>hir<span class=\"_ _0\"></span>d par<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4b8\">ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion f<span class=\"_ _0\"></span>rau<span class=\"_ _0\"></span>d) is wr<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ten of<span class=\"_ _0\"></span>f at po<span class=\"_ _0\"></span>int of id<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>.</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs4b9\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">I<span class=\"_ _0\"></span>n som<span class=\"_ _0\"></span>e ci<span class=\"_ _0\"></span>rcu<span class=\"_ _0\"></span>msta<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s whe<span class=\"_ _0\"></span>re as<span class=\"_ _0\"></span>sets are b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4ba\">bac<span class=\"_ _0\"></span>k by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated wit<span class=\"_ _0\"></span>h </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4bb\">the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e meet<span class=\"_ _0\"></span>s the d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion of p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs4bc\">originat<span class=\"_ _1\"></span>ed credit<span class=\"_ _1\"></span>-impaired<span class=\"_ _1\"></span> (\u201c<span class=\"_ _0\"></span>POCI<span class=\"_ _0\"></span>\u201d)<span class=\"_ _1\"></span>, and impairmen<span class=\"_ _1\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4bd\">is th<span class=\"_ _0\"></span>erefore b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4bf\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses o<span class=\"_ _0\"></span>n a for<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>d-l<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4c0\">expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith i<span class=\"_ _0\"></span>ts f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial as<span class=\"_ _0\"></span>sets </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws6e gs4c1\">ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ied at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es a l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4c2\">for su<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es at eac<span class=\"_ _0\"></span>h rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g date. The m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lse wsd gs4c3\">of ECL<span class=\"_ _0\"></span>s refl<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cts:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs4c4\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">an unbiased<span class=\"_ _1\"></span> and probability<span class=\"_ _1\"></span>-weight<span class=\"_ _1\"></span>ed amount<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4c5\">that is d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed by eval<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>ng a ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls11 ws10 gs4c6\">possible outcomes<span class=\"_ _1\"></span>;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs4c7\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e ti<span class=\"_ _0\"></span>me val<span class=\"_ _0\"></span>ue of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey; and</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs4c8\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsa ws9\">reasona<span class=\"_ _1\"></span>ble and supportable<span class=\"_ _1\"></span> info<span class=\"_ _1\"></span>rmation t<span class=\"_ _1\"></span>hat is<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4c9\">avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>tho<span class=\"_ _0\"></span>ut un<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>e cost o<span class=\"_ _0\"></span>r ef<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>t at th<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4ca\">date abo<span class=\"_ _0\"></span>ut pa<span class=\"_ _0\"></span>st events, cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs4cb\">for<span class=\"_ _1\"></span>ecasts<span class=\"_ _1\"></span> of fut<span class=\"_ _1\"></span>ure econ<span class=\"_ _1\"></span>omic conditi<span class=\"_ _1\"></span>ons.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4cc\">If in a s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ent p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4cd\">los<span class=\"_ _0\"></span>s de<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e dec<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>lated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4ce\">obj<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ivel<span class=\"_ _0\"></span>y to an event occ<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng af<span class=\"_ _0\"></span>ter th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs4cf\">was<span class=\"_ _1\"></span> recognised, the pr<span class=\"_ _1\"></span>eviously recognised impairment<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4d0\">los<span class=\"_ _0\"></span>s is rever<span class=\"_ _0\"></span>sed, to th<span class=\"_ _0\"></span>e extent th<span class=\"_ _0\"></span>at the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4d1\">of the as<span class=\"_ _0\"></span>set d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot exceed i<span class=\"_ _0\"></span>ts am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t at </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4d2\">the rever<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>l date. Any su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>nt revers<span class=\"_ _0\"></span>al of a<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4d3\">im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs4d4\">comprehensi<span class=\"_ _1\"></span>ve income.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls171 ws172 gs4d5\">Derecognit<span class=\"_ _1\"></span>ion of financi<span class=\"_ _1\"></span>al assets<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4d6\">Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are d<span class=\"_ _0\"></span>erec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>nly w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4d7\">cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l rig<span class=\"_ _0\"></span>hts to the c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ows from t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4d8\">ass<span class=\"_ _0\"></span>ets expi<span class=\"_ _0\"></span>re or th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>as eit<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4d9\">cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l rig<span class=\"_ _0\"></span>ht to rece<span class=\"_ _0\"></span>ive the c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows from t<span class=\"_ _0\"></span>hat </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4da\">ass<span class=\"_ _0\"></span>et, or h<span class=\"_ _0\"></span>as ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>n obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to pay thos<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4db\">fl<span class=\"_ _0\"></span>ows to one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re reci<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4dc\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p de<span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s a tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>et </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4dd\">if it t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sfers s<span class=\"_ _0\"></span>ubst<span class=\"_ _0\"></span>anti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y al<span class=\"_ _0\"></span>l the r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>s and rewa<span class=\"_ _0\"></span>rds </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lse wsd gs4de\">of own<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls3d ws3e gs4df\">Financial liabilities<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4e0\">Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>de an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er payab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4e1\">are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e and s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>entl<span class=\"_ _0\"></span>y at </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4e2\">amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cost<span class=\"_ _0\"></span>. The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of a non<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nterest-be<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4e3\">lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y is i<span class=\"_ _0\"></span>ts dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted rep<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nt am<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>. If th<span class=\"_ _0\"></span>e due </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4e4\">date of the l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s le<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>an o<span class=\"_ _0\"></span>ne year, discou<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs4e5\">is om<span class=\"_ _1\"></span>itted.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4e6\">A fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s dere<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d whe<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4e7\">un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s disc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d or c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cel<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d or exp<span class=\"_ _0\"></span>ires<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls171 ws172 gs4e8\">Bank borro<span class=\"_ _1\"></span>wings<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4e9\">Ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs (drawdown<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he cre<span class=\"_ _0\"></span>dit f<span class=\"_ _0\"></span>aci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ties) </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4ea\">are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e, bei<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r iss<span class=\"_ _0\"></span>ue </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4eb\">pro<span class=\"_ _0\"></span>cee<span class=\"_ _0\"></span>ds net of t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n cos<span class=\"_ _0\"></span>ts in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. The<span class=\"_ _0\"></span>se </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs4ec\">instrumen<span class=\"_ _1\"></span>ts are<span class=\"_ _1\"></span> subsequently<span class=\"_ _1\"></span> measured a<span class=\"_ _1\"></span>t amortised </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4ed\">cost u<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e effe<span class=\"_ _0\"></span>ctive i<span class=\"_ _0\"></span>nterest rate m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d. </div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsba wsb7 gs4ef\">Provisions<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4f0\">Provis<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has a p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4f1\">obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n (le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l or co<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ctive) as a res<span class=\"_ _0\"></span>ult of a p<span class=\"_ _0\"></span>ast </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4f2\">event; it is p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e that t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p wil<span class=\"_ _0\"></span>l be re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4f3\">set<span class=\"_ _0\"></span>tle t<span class=\"_ _0\"></span>hat ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd a re<span class=\"_ _0\"></span>lia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mate ca<span class=\"_ _0\"></span>n be m<span class=\"_ _0\"></span>ade </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4f4\">of the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs4f5\">Loan<span class=\"_ _1\"></span> repurchases<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4f6\">Loan re<span class=\"_ _0\"></span>pur<span class=\"_ _0\"></span>chas<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>cts is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4f7\">tho<span class=\"_ _0\"></span>se co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>at req<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>e a payme<span class=\"_ _0\"></span>nt to be ma<span class=\"_ _0\"></span>de to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4f8\">reim<span class=\"_ _0\"></span>bu<span class=\"_ _0\"></span>rse t<span class=\"_ _0\"></span>he ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>er for a l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>t in<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>use t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4f9\">sp<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed d<span class=\"_ _0\"></span>ebtor fai<span class=\"_ _0\"></span>ls to make a paym<span class=\"_ _0\"></span>ent w<span class=\"_ _0\"></span>hen d<span class=\"_ _0\"></span>ue i<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4fa\">acc<span class=\"_ _0\"></span>ord<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>h the ter<span class=\"_ _0\"></span>ms of a d<span class=\"_ _0\"></span>ebt ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt. Loa<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4fb\">rep<span class=\"_ _0\"></span>urch<span class=\"_ _0\"></span>ase c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly as a l<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4fc\">at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e, adj<span class=\"_ _0\"></span>usted fo<span class=\"_ _0\"></span>r tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on co<span class=\"_ _0\"></span>sts th<span class=\"_ _0\"></span>at are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4fd\">dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y att<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>uta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e to the is<span class=\"_ _0\"></span>sua<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e of the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>. The </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4fe\">lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y is s<span class=\"_ _0\"></span>ubse<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>entl<span class=\"_ _0\"></span>y mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at th<span class=\"_ _0\"></span>e hig<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r of the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs4ff\">bes<span class=\"_ _0\"></span>t est<span class=\"_ _0\"></span>imate of the exp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ditu<span class=\"_ _0\"></span>re req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red to set<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>e the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs500\">pres<span class=\"_ _0\"></span>ent ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>on at t<span class=\"_ _0\"></span>he rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g date and t<span class=\"_ _0\"></span>he am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs501\">recogni<span class=\"_ _1\"></span>sed less c<span class=\"_ _1\"></span>umulativ<span class=\"_ _1\"></span>e amortisat<span class=\"_ _1\"></span>ion. The e<span class=\"_ _1\"></span>xpect<span class=\"_ _1\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs502\">cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el is u<span class=\"_ _0\"></span>sed to m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>re an<span class=\"_ _0\"></span>d rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls11 ws10 gs503\">financial liability<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs504\">Share capi<span class=\"_ _1\"></span>tal </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs505\">Ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares a<span class=\"_ _0\"></span>re cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y wh<span class=\"_ _0\"></span>ere t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r term<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs506\">inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de n<span class=\"_ _0\"></span>o cont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>tual o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to tran<span class=\"_ _0\"></span>sfer ca<span class=\"_ _0\"></span>sh or </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs507\">another financial a<span class=\"_ _1\"></span>sset t<span class=\"_ _1\"></span>o another ent<span class=\"_ _1\"></span>it<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs508\">Earnings/<span class=\"_ _1\"></span>(lo<span class=\"_ _1\"></span>ss)<span class=\"_ _1\"></span> per share<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs509\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p pre<span class=\"_ _0\"></span>sents b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>c an<span class=\"_ _0\"></span>d dil<span class=\"_ _0\"></span>uted e<span class=\"_ _0\"></span>arn<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs/(los<span class=\"_ _0\"></span>ses) </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs50a\">pe<span class=\"_ _0\"></span>r sha<span class=\"_ _0\"></span>re (\u201c<span class=\"_ _0\"></span>EP<span class=\"_ _0\"></span>S<span class=\"_ _0\"></span>\u201d) for i<span class=\"_ _0\"></span>ts or<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s. B<span class=\"_ _0\"></span>asic a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs50b\">dil<span class=\"_ _0\"></span>uted EP<span class=\"_ _0\"></span>S are c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cul<span class=\"_ _0\"></span>ated by div<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(loss) </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs50c\">att<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>uta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e to ordi<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>reho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s by the wei<span class=\"_ _0\"></span>ghted </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs50d\">averag<span class=\"_ _0\"></span>e nu<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r of ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares o<span class=\"_ _0\"></span>uts<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs50e\">the yea<span class=\"_ _0\"></span>r exclu<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g sha<span class=\"_ _0\"></span>res h<span class=\"_ _0\"></span>eld a<span class=\"_ _0\"></span>s own sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs50f\">Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _0\"></span>\u2019s Emp<span class=\"_ _0\"></span>loyee B<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>efit T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>usts<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs510\">For di<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ted ear<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ngs p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>hare, t<span class=\"_ _0\"></span>he wei<span class=\"_ _0\"></span>ghted aver<span class=\"_ _0\"></span>age </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs511\">num<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r of ordi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n iss<span class=\"_ _0\"></span>ue i<span class=\"_ _0\"></span>s adj<span class=\"_ _0\"></span>usted to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs512\">ass<span class=\"_ _0\"></span>ume c<span class=\"_ _0\"></span>onver<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n of al<span class=\"_ _0\"></span>l dil<span class=\"_ _0\"></span>uti<span class=\"_ _0\"></span>ve potenti<span class=\"_ _0\"></span>al or<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs513\">sha<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>. The di<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>tive p<span class=\"_ _0\"></span>otentia<span class=\"_ _0\"></span>l ordi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sha<span class=\"_ _0\"></span>res i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs514\">tho<span class=\"_ _0\"></span>se sh<span class=\"_ _0\"></span>are o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns gr<span class=\"_ _0\"></span>anted to em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyees un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs515\">Group\u2019s<span class=\"_ _1\"></span> share-based compen<span class=\"_ _1\"></span>sation schemes<span class=\"_ _1\"></span> which do </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs516\">not have an exerc<span class=\"_ _0\"></span>ise p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e or w<span class=\"_ _0\"></span>her<span class=\"_ _0\"></span>e the exerci<span class=\"_ _0\"></span>se p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs517\">is le<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>an th<span class=\"_ _0\"></span>e avera<span class=\"_ _0\"></span>ge ma<span class=\"_ _0\"></span>rket pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e of the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny<span class=\"_ _0\"></span>\u2019s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs518\">ordi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares d<span class=\"_ _0\"></span>uri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he year.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls2 ws2 gs519\">Sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>ld by th<span class=\"_ _0\"></span>e Emp<span class=\"_ _0\"></span>loyee B<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ef<span class=\"_ _0\"></span>it T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>st a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re </div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3d ws3e gs51a\">Incentive<span class=\"_ _1\"></span> Plan T<span class=\"_ _5\"></span>rust<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs51b\">The C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny has est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>ish<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>n of<span class=\"_ _0\"></span>fsho<span class=\"_ _0\"></span>re Emp<span class=\"_ _0\"></span>loyee </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs51c\">Be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>it T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t (\u201c<span class=\"_ _0\"></span>EBT<span class=\"_ _0\"></span>\u201d) a<span class=\"_ _0\"></span>nd an o<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>hore S<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re Inc<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ve Pla<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls56 ws52 gs51d\">(\u201cSIP<span class=\"_ _0\"></span>\u201d) T<span class=\"_ _5\"></span>rust.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs51e\">The EBT a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>IP T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>st prov<span class=\"_ _0\"></span>ide for t<span class=\"_ _0\"></span>he is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>e of sha<span class=\"_ _0\"></span>res to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs51f\">Group emplo<span class=\"_ _1\"></span>yees princ<span class=\"_ _1\"></span>ipally under shar<span class=\"_ _1\"></span>e option s<span class=\"_ _1\"></span>chemes </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls36 ws2 gs520\">and S<span class=\"_ _0\"></span>I<span class=\"_ _0\"></span>P resp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ivel<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. Th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s cont<span class=\"_ _0\"></span>rol of th<span class=\"_ _0\"></span>e EBT an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls36 wsc3 gs521\">SI<span class=\"_ _0\"></span>P T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t and t<span class=\"_ _0\"></span>her<span class=\"_ _0\"></span>efore con<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ates the T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>sts i<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs522\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al st<span class=\"_ _0\"></span>atements<span class=\"_ _0\"></span>. Si<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e 2022, the T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>stee of th<span class=\"_ _0\"></span>e EBT </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls36 ws2 gs523\">has p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>res in t<span class=\"_ _0\"></span>he ma<span class=\"_ _0\"></span>rket in o<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 wsc gs524\">to<span class=\"_ _1\"></span> satisfy the<span class=\"_ _1\"></span> ex<span class=\"_ _1\"></span>ercise o<span class=\"_ _1\"></span>f employ<span class=\"_ _1\"></span>ee share op<span class=\"_ _1\"></span>tion schemes.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs526\">Sha<span class=\"_ _0\"></span>res wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are p<span class=\"_ _0\"></span>urch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d are re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d at cost </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs527\">and a<span class=\"_ _0\"></span>re tre<span class=\"_ _0\"></span>ated as a de<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n to share<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>\u2019 e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs528\">No g<span class=\"_ _0\"></span>ain o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs529\">on th<span class=\"_ _0\"></span>e pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se or u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls11 ws10 gs52a\">Reserves<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs52b\">Foreign<span class=\"_ _1\"></span> ex<span class=\"_ _1\"></span>change reserve<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs52c\">The fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve rep<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>mul<span class=\"_ _0\"></span>ative </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs52d\">forei<span class=\"_ _0\"></span>gn cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy t<span class=\"_ _0\"></span>rans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion m<span class=\"_ _0\"></span>oveme<span class=\"_ _0\"></span>nt on th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs52e\">lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies of th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup<span class=\"_ _0\"></span>\u2019s inter<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns at year-<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs52f\">end <span class=\"_ _0\"></span>exchang<span class=\"_ _0\"></span>e rates a<span class=\"_ _0\"></span>nd o<span class=\"_ _0\"></span>n the p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s items f<span class=\"_ _0\"></span>rom </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs530\">av<span class=\"_ _1\"></span>erage ex<span class=\"_ _1\"></span>change rat<span class=\"_ _1\"></span>es t<span class=\"_ _1\"></span>o year<span class=\"_ _5\"></span>-<span class=\"_ _0\"></span>end e<span class=\"_ _1\"></span>xchange ra<span class=\"_ _1\"></span>tes.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs531\">Share pr<span class=\"_ _1\"></span>emium </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs532\">Proc<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>ds rec<span class=\"_ _0\"></span>eive<span class=\"_ _0\"></span>d in exces<span class=\"_ _0\"></span>s of the n<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l valu<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs533\">of sha<span class=\"_ _0\"></span>res is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed, o<span class=\"_ _0\"></span>r on th<span class=\"_ _0\"></span>e mar<span class=\"_ _0\"></span>ket valu<span class=\"_ _0\"></span>e of sh<span class=\"_ _0\"></span>ares </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs534\">exercise<span class=\"_ _0\"></span>d in exces<span class=\"_ _0\"></span>s of th<span class=\"_ _0\"></span>e exercise p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce net of a<span class=\"_ _0\"></span>ny </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs535\">transaction<span class=\"_ _1\"></span> costs.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs536\">Share op<span class=\"_ _1\"></span>tions re<span class=\"_ _1\"></span>ser<span class=\"_ _0\"></span>ve<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs537\">The s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>e opti<span class=\"_ _0\"></span>ons re<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>mu<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs538\">cha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>s to inc<span class=\"_ _0\"></span>ome u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er I<span class=\"_ _0\"></span>FRS 2 Sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>-b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d Payme<span class=\"_ _0\"></span>nts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs539\">on a<span class=\"_ _0\"></span>ll sh<span class=\"_ _0\"></span>are o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d sc<span class=\"_ _0\"></span>hem<span class=\"_ _0\"></span>es g<span class=\"_ _0\"></span>ranted, n<span class=\"_ _0\"></span>et of sha<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs53a\">opti<span class=\"_ _0\"></span>on exerci<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>osts a<span class=\"_ _0\"></span>re tr<span class=\"_ _0\"></span>ansfer<span class=\"_ _0\"></span>red to reta<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs53b\">earnings when op<span class=\"_ _1\"></span>tions are e<span class=\"_ _1\"></span>xercis<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>d.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-348": {
   "value": "General inf<span class=\"_ _1\"></span>ormation<span class=\"_ _2d6\"> </span>Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le H<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>gs pl<span class=\"_ _0\"></span>c (the \u201c<span class=\"_ _0\"></span>C<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>any<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) is a p<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>ic com<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny lim<span class=\"_ _0\"></span>ited by sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>, whi<span class=\"_ _0\"></span>ch is l<span class=\"_ _0\"></span>iste<span class=\"_ _0\"></span>d on th<span class=\"_ _0\"></span>e Lond<span class=\"_ _0\"></span>on Stoc<span class=\"_ _0\"></span>k Exc<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge a<span class=\"_ _0\"></span>nd is d<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d and i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rated i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>nite<span class=\"_ _0\"></span>d Ki<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>dom u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>es Act 20<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>6 and r<span class=\"_ _0\"></span>egi<span class=\"_ _0\"></span>stere<span class=\"_ _0\"></span>d in Eng<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nd a<span class=\"_ _0\"></span>nd Wal<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he ad<span class=\"_ _0\"></span>dres<span class=\"_ _0\"></span>s of its reg<span class=\"_ _0\"></span>istere<span class=\"_ _0\"></span>d off<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ce is g<span class=\"_ _0\"></span>iven o<span class=\"_ _0\"></span>n pag<span class=\"_ _0\"></span>e 198<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al st<span class=\"_ _0\"></span>atements of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p for the yea<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>ded 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ise t<span class=\"_ _0\"></span>he C<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>any an<span class=\"_ _0\"></span>d its subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies (tog<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r referre<span class=\"_ _0\"></span>d to as the \u201c<span class=\"_ _0\"></span>G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u201d an<span class=\"_ _0\"></span>d individually<span class=\"_ _1\"></span> as \u201cGroup en<span class=\"_ _1\"></span>tities\u201d)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>The p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p and t<span class=\"_ _0\"></span>he natu<span class=\"_ _0\"></span>re of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s ope<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s are as a fa<span class=\"_ _0\"></span>cil<span class=\"_ _0\"></span>itator of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ce for S<span class=\"_ _0\"></span>MEs<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The principal account<span class=\"_ _1\"></span>ing policies applied in the pre<span class=\"_ _0\"></span>par<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of the<span class=\"_ _0\"></span>se f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts are s<span class=\"_ _0\"></span>et out be<span class=\"_ _0\"></span>low. Thes<span class=\"_ _0\"></span>e pol<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ies h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n con<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>tently a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>lie<span class=\"_ _0\"></span>d to al<span class=\"_ _0\"></span>l the yea<span class=\"_ _0\"></span>rs p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted, unl<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s othe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>wi<span class=\"_ _0\"></span>se stated<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-4": {
   "value": "Funding Circle Holdings plc",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-345": {
   "value": "Funding Circle Holdings plc",
   "dimensions": {
    "concept": "ifrs-full:NameOfParentEntity",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-5": {
   "value": "public company limited by shares",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-6": {
   "value": "United Kingdom",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-346": {
   "value": "United Kingdom",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-7": {
   "value": "The principal activities of the Group and the nature of the Group\u2019s operations are as a facilitator of finance for SMEs. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-349": {
   "value": "Going concern<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s togeth<span class=\"_ _0\"></span>er w<span class=\"_ _0\"></span>ith th<span class=\"_ _0\"></span>e fac<span class=\"_ _0\"></span>tors li<span class=\"_ _0\"></span>kely to affe<span class=\"_ _0\"></span>ct its f<span class=\"_ _0\"></span>uture d<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d po<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>re set out i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e Str<span class=\"_ _0\"></span>ategi<span class=\"_ _0\"></span>c Rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t.<span class=\"_ _2d6\"> </span>The f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>pare<span class=\"_ _0\"></span>d on a g<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>ng co<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>n bas<span class=\"_ _0\"></span>is as th<span class=\"_ _0\"></span>e Di<span class=\"_ _0\"></span>recto<span class=\"_ _0\"></span>rs are s<span class=\"_ _0\"></span>atis<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed th<span class=\"_ _0\"></span>at the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has the re<span class=\"_ _0\"></span>sou<span class=\"_ _0\"></span>rces to co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nue i<span class=\"_ _0\"></span>n bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess fo<span class=\"_ _0\"></span>r the fore<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>eab<span class=\"_ _0\"></span>le futu<span class=\"_ _0\"></span>re (whi<span class=\"_ _0\"></span>ch has b<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en ta<span class=\"_ _0\"></span>ken as at le<span class=\"_ _0\"></span>ast 12 month<span class=\"_ _0\"></span>s from the d<span class=\"_ _0\"></span>ate of appr<span class=\"_ _0\"></span>oval of the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents). The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ma<span class=\"_ _0\"></span>de a total c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>ive expe<span class=\"_ _0\"></span>nse of \u00a30.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he year e<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 (<span class=\"_ _1\"></span>2023: expen<span class=\"_ _0\"></span>se of \u00a34<span class=\"_ _1\"></span>1.0 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on). As at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4, t<span class=\"_ _0\"></span>he Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>d net as<span class=\"_ _0\"></span>sets of \u00a3216<span class=\"_ _0\"></span>.5 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a32<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>6.8 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on). This in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s \u00a3187<span class=\"_ _5\"></span>.6 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on of c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts (202<span class=\"_ _1\"></span>3: \u00a3221.<span class=\"_ _0\"></span>4 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) of whi<span class=\"_ _0\"></span>ch \u00a337<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a351.8 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on) is he<span class=\"_ _0\"></span>ld fo<span class=\"_ _0\"></span>r spe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c pu<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>oses a<span class=\"_ _0\"></span>nd is rest<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cted in u<span class=\"_ _0\"></span>se. Ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly<span class=\"_ _1\"></span>, wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the n<span class=\"_ _0\"></span>et ass<span class=\"_ _0\"></span>ets, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ho<span class=\"_ _0\"></span>lds \u00a353.<span class=\"_ _0\"></span>5 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a363.5 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on) of invested c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l, so<span class=\"_ _0\"></span>me of wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>pab<span class=\"_ _0\"></span>le of b<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>ng mo<span class=\"_ _0\"></span>netis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>f li<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y ne<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>s ari<span class=\"_ _0\"></span>se.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>d detai<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>low fore<span class=\"_ _0\"></span>cas<span class=\"_ _0\"></span>ts for the n<span class=\"_ _0\"></span>ext 15 mo<span class=\"_ _0\"></span>nths to 30 J<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>e 2026 and ha<span class=\"_ _0\"></span>s up<span class=\"_ _0\"></span>dated the g<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>ng co<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt to factor in t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>otentia<span class=\"_ _0\"></span>l ong<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct of inf<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>lated e<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>The base<span class=\"_ _1\"></span> case scenario assumes:<span class=\"_ _1\"></span>  <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>c envi<span class=\"_ _0\"></span>ron<span class=\"_ _0\"></span>ment re<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ins as i<span class=\"_ _0\"></span>s wit<span class=\"_ _0\"></span>h </span></span>no im<span class=\"_ _0\"></span>provem<span class=\"_ _0\"></span>ent o<span class=\"_ _0\"></span>r deteri<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n in t<span class=\"_ _0\"></span>he ma<span class=\"_ _0\"></span>cro env<span class=\"_ _1\"></span>ironment f<span class=\"_ _1\"></span>orecast; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">launching and gr<span class=\"_ _1\"></span>owing short<span class=\"_ _1\"></span>-term<span class=\"_ _1\"></span> lending and non-<span class=\"_ _2d6\"> </span></span></span>limited<span class=\"_ _1\"></span> com<span class=\"_ _0\"></span>pany<span class=\"_ _1\"></span> lending; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">g<span class=\"_ _0\"></span>row<span class=\"_ _0\"></span>th in C<span class=\"_ _0\"></span>ash<span class=\"_ _0\"></span>bac<span class=\"_ _0\"></span>k cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>ard a<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes </span></span>of cre<span class=\"_ _0\"></span>dit;  <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up c<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>es to fun<span class=\"_ _0\"></span>d the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh </span></span>its b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e she<span class=\"_ _0\"></span>et al<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g wit<span class=\"_ _0\"></span>h the s<span class=\"_ _0\"></span>eni<span class=\"_ _0\"></span>or b<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g fac<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y;<span class=\"_ _2d6\"> </span>l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">c<span class=\"_ _0\"></span>osts a<span class=\"_ _0\"></span>re cont<span class=\"_ _0\"></span>rol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>h any grow<span class=\"_ _0\"></span>th d<span class=\"_ _0\"></span>rive<span class=\"_ _0\"></span>n by </span>mar<span class=\"_ _0\"></span>ketin<span class=\"_ _0\"></span>g, expe<span class=\"_ _0\"></span>cted cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>ses (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>ECL<span class=\"_ _5\"></span>\u201d<span class=\"_ _0\"></span>) an<span class=\"_ _0\"></span>d cost of fun<span class=\"_ _0\"></span>ds. R<span class=\"_ _0\"></span>ema<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>osts g<span class=\"_ _0\"></span>row bu<span class=\"_ _0\"></span>t pre<span class=\"_ _0\"></span>dom<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>ntly thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h inf<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. Str<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>t cont<span class=\"_ _0\"></span>rol of h<span class=\"_ _0\"></span>eadc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt, wit<span class=\"_ _0\"></span>h limited<span class=\"_ _1\"></span> inc<span class=\"_ _0\"></span>rease<span class=\"_ _1\"></span>s; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">the curren<span class=\"_ _1\"></span>t share bu<span class=\"_ _1\"></span>yback programme<span class=\"_ _1\"></span> concludes in </span></span>ear<span class=\"_ _0\"></span>ly 2025 wit<span class=\"_ _0\"></span>h no ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al b<span class=\"_ _0\"></span>uyba<span class=\"_ _0\"></span>ck o<span class=\"_ _0\"></span>r div<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>nd assumed<span class=\"_ _1\"></span>; and <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">c<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ratio<span class=\"_ _0\"></span>n tax b<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>ins to b<span class=\"_ _0\"></span>e pai<span class=\"_ _0\"></span>d al<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>gsi<span class=\"_ _0\"></span>de ut<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng </span></span>bro<span class=\"_ _0\"></span>ught fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ward t<span class=\"_ _0\"></span>ax los<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent pre<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>red a s<span class=\"_ _0\"></span>evere but p<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e downs<span class=\"_ _0\"></span>ide scenario in which<span class=\"_ _1\"></span>: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsa ws9\">fur<span class=\"_ _0\"></span>ther<span class=\"_ _1\"></span> macroeconomic<span class=\"_ _1\"></span> volat<span class=\"_ _1\"></span>ility cont<span class=\"_ _1\"></span>inues thr<span class=\"_ _1\"></span>ough </span></span>the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>h el<span class=\"_ _0\"></span>evated infl<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d interes<span class=\"_ _0\"></span>t rates redu<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns as b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower de<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>d for l<span class=\"_ _0\"></span>oans at hig<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r interes<span class=\"_ _0\"></span>t rates red<span class=\"_ _0\"></span>uce<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d investor fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng appet<span class=\"_ _1\"></span>ite r<span class=\"_ _1\"></span>educes; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt retur<span class=\"_ _0\"></span>ns red<span class=\"_ _0\"></span>uce ow<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g to incre<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng </span></span>cost<span class=\"_ _0\"></span>s, wi<span class=\"_ _0\"></span>den<span class=\"_ _0\"></span>ing d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rates an<span class=\"_ _0\"></span>d deteri<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n in loan perf<span class=\"_ _1\"></span>ormance; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al event o<span class=\"_ _0\"></span>ccu<span class=\"_ _0\"></span>rs re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>iri<span class=\"_ _0\"></span>ng a c<span class=\"_ _0\"></span>ash </span></span>out<span class=\"_ _0\"></span>lay in 2025; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a dow<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de l<span class=\"_ _0\"></span>oss s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>io is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>lie<span class=\"_ _0\"></span>d to Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>ircl<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>\u2019s </span></span>on<span class=\"_ _0\"></span>-ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g in hig<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r ini<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>l fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d lower c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows to the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts it ow<span class=\"_ _0\"></span>ns co<span class=\"_ _0\"></span>mbi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>h the i<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to monetise<span class=\"_ _1\"></span> these; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a re<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n in o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng intere<span class=\"_ _0\"></span>st in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me fro<span class=\"_ _0\"></span>m mo<span class=\"_ _0\"></span>ney </span></span>mar<span class=\"_ _0\"></span>ket fun<span class=\"_ _0\"></span>ds due to l<span class=\"_ _0\"></span>ower ca<span class=\"_ _0\"></span>sh ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der stress; and <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a c<span class=\"_ _0\"></span>omb<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>iq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y ri<span class=\"_ _0\"></span>sk st<span class=\"_ _0\"></span>ress fo<span class=\"_ _0\"></span>r FlexiP<span class=\"_ _0\"></span>ay<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></span></span>Management h<span class=\"_ _1\"></span>as re<span class=\"_ _1\"></span>viewed it<span class=\"_ _1\"></span>s regulat<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>y capital req<span class=\"_ _0\"></span>uire<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts. I<span class=\"_ _0\"></span>n the d<span class=\"_ _0\"></span>owns<span class=\"_ _0\"></span>ide s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>io, the r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of ca<span class=\"_ _0\"></span>pita<span class=\"_ _0\"></span>l requiremen<span class=\"_ _1\"></span>t breach<span class=\"_ _1\"></span> is consider<span class=\"_ _1\"></span>ed remot<span class=\"_ _1\"></span>e. The<span class=\"_ _1\"></span> Group doe<span class=\"_ _0\"></span>s not cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ntly re<span class=\"_ _0\"></span>ly o<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>tted o<span class=\"_ _0\"></span>r un<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>tte<span class=\"_ _0\"></span>d bo<span class=\"_ _0\"></span>rrowi<span class=\"_ _0\"></span>ng fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies, w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he excepti<span class=\"_ _0\"></span>on of a fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y for the p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>e of or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>ng Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>nd doe<span class=\"_ _0\"></span>s not have un<span class=\"_ _0\"></span>draw<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>tted b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rrowi<span class=\"_ _0\"></span>ng fa<span class=\"_ _0\"></span>cil<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e to the w<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>r Gro<span class=\"_ _0\"></span>up.<span class=\"_ _2d6\"> </span>The D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s have made e<span class=\"_ _0\"></span>nq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s of man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d bu<span class=\"_ _0\"></span>dget<span class=\"_ _0\"></span>s and c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ow forec<span class=\"_ _0\"></span>asts fo<span class=\"_ _0\"></span>r the Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd have, at the t<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>e of app<span class=\"_ _0\"></span>rovin<span class=\"_ _0\"></span>g the<span class=\"_ _0\"></span>se f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial statem<span class=\"_ _0\"></span>ents, a re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>le exp<span class=\"_ _0\"></span>ectat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n that th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any and t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p have ade<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ate resou<span class=\"_ _0\"></span>rces to co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue in o<span class=\"_ _0\"></span>per<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l existen<span class=\"_ _0\"></span>ce for th<span class=\"_ _0\"></span>e forese<span class=\"_ _0\"></span>eab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e futu<span class=\"_ _0\"></span>re, sp<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>lly a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ed for t<span class=\"_ _0\"></span>he 15 mo<span class=\"_ _0\"></span>nths to 30 Ju<span class=\"_ _0\"></span>ne 2026. Fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er deta<span class=\"_ _0\"></span>il i<span class=\"_ _0\"></span>s cont<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ategi<span class=\"_ _0\"></span>c Rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t o<span class=\"_ _0\"></span>n pag<span class=\"_ _0\"></span>es 63 a<span class=\"_ _0\"></span>nd 6<span class=\"_ _0\"></span>4.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-350": {
   "value": "Basis o<span class=\"_ _1\"></span>f preparat<span class=\"_ _1\"></span>ion<span class=\"_ _2d6\"> </span>The f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents have b<span class=\"_ _0\"></span>een p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>d in accordance with UK<span class=\"_ _5\"></span>-adopted In<span class=\"_ _1\"></span>ternational Accoun<span class=\"_ _1\"></span>ting Sta<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ards i<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y with t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>irem<span class=\"_ _0\"></span>ents of t<span class=\"_ _0\"></span>he Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>es Act 20<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>6 and t<span class=\"_ _0\"></span>he di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re gu<span class=\"_ _0\"></span>ida<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e and tra<span class=\"_ _0\"></span>nsp<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>ncy r<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>es so<span class=\"_ _0\"></span>urce<span class=\"_ _0\"></span>bo<span class=\"_ _0\"></span>ok of th<span class=\"_ _0\"></span>e Un<span class=\"_ _0\"></span>ited K<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gdo<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>\u2019s Financial Conduct Authority<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>The f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents have b<span class=\"_ _0\"></span>een p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>d on the h<span class=\"_ _0\"></span>istor<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ost ba<span class=\"_ _0\"></span>sis except fo<span class=\"_ _0\"></span>r cer<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts that a<span class=\"_ _0\"></span>re ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s (\u201c<span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>PL<span class=\"_ _5\"></span>\u201d).<span class=\"_ _2d6\"> </span>The p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>arat<span class=\"_ _0\"></span>ion of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ires t<span class=\"_ _0\"></span>he use of c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates. It a<span class=\"_ _0\"></span>lso r<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>s man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt to exercise i<span class=\"_ _0\"></span>ts ju<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>s of applying<span class=\"_ _1\"></span> the Group\u2019s accoun<span class=\"_ _1\"></span>ting policies. Changes in as<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>ons m<span class=\"_ _0\"></span>ay have a sign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct on t<span class=\"_ _0\"></span>he fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al state<span class=\"_ _0\"></span>ments i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e year th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>. Management<span class=\"_ _1\"></span> believes<span class=\"_ _1\"></span> that t<span class=\"_ _1\"></span>he underlying assump<span class=\"_ _1\"></span>tions are a<span class=\"_ _0\"></span>ppr<span class=\"_ _0\"></span>opr<span class=\"_ _0\"></span>iate. Th<span class=\"_ _0\"></span>e area<span class=\"_ _0\"></span>s involv<span class=\"_ _0\"></span>ing a h<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r deg<span class=\"_ _0\"></span>ree of ju<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt or co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>lexit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, o<span class=\"_ _0\"></span>r area<span class=\"_ _0\"></span>s whe<span class=\"_ _0\"></span>re ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns and e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates are s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant to the f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents, are di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in n<span class=\"_ _0\"></span>ote 2<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-404": {
   "value": "<div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsb5\">The f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents have b<span class=\"_ _0\"></span>een p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>d in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls11 ws10 gsb6\">accordance with UK<span class=\"_ _5\"></span>-adopted In<span class=\"_ _1\"></span>ternational Accoun<span class=\"_ _1\"></span>ting </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsb7\">Sta<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ards i<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y with t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>irem<span class=\"_ _0\"></span>ents of t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsb8\">Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>es Act 20<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>6 and t<span class=\"_ _0\"></span>he di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re gu<span class=\"_ _0\"></span>ida<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e and </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsb9\">tra<span class=\"_ _0\"></span>nsp<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>ncy r<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>es so<span class=\"_ _0\"></span>urce<span class=\"_ _0\"></span>bo<span class=\"_ _0\"></span>ok of th<span class=\"_ _0\"></span>e Un<span class=\"_ _0\"></span>ited K<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gdo<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>\u2019s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls11 ws10 gsba\">Financial Conduct Authority<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-351": {
   "value": "<div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gsc1\">Significant ch<span class=\"_ _1\"></span>anges in the<span class=\"_ _1\"></span> current r<span class=\"_ _1\"></span>epor<span class=\"_ _0\"></span>ting y<span class=\"_ _1\"></span>ear<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsc2\">The f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up we<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsc3\">affe<span class=\"_ _0\"></span>cted by the fo<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owin<span class=\"_ _0\"></span>g events an<span class=\"_ _0\"></span>d tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ons d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsc4\">the yea<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>ded 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ber 2024:<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls2 ws2 gsc5\">i) S<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e of the U<span class=\"_ _0\"></span>S bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsc6\">As was p<span class=\"_ _0\"></span>revio<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ly an<span class=\"_ _0\"></span>nou<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsc7\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al res<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up so<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>ht to divest of th<span class=\"_ _0\"></span>e US </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsc8\">bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>. A co<span class=\"_ _0\"></span>mpet<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ve bid p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ess wa<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>aken wi<span class=\"_ _0\"></span>th </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsc9\">interes<span class=\"_ _0\"></span>ted pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s and a s<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt was sig<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsca\">24 June 2024 to sell th<span class=\"_ _0\"></span>e bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess to i<span class=\"_ _0\"></span>Bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gscb\">LLC and co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>leti<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>ccu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d on 1 J<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>y 202<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>. As a res<span class=\"_ _0\"></span>ult </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gscc\">of the s<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e of the U<span class=\"_ _0\"></span>S Bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess U<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>, the b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gscd\">ass<span class=\"_ _0\"></span>ets rel<span class=\"_ _0\"></span>ated to the US we<span class=\"_ _0\"></span>re co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d to form a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsce\">dis<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>al G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 5 N<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>Cur<span class=\"_ _0\"></span>rent A<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets He<span class=\"_ _0\"></span>ld </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gscf\">For<span class=\"_ _1\"></span> Sale and Dis<span class=\"_ _1\"></span>continued<span class=\"_ _1\"></span> Operations.<span class=\"_ _1\"></span> The opera<span class=\"_ _1\"></span>tions o<span class=\"_ _1\"></span>f </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsd0\">the U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n disc<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gsd1\">sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> separat<span class=\"_ _1\"></span>ely as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsd2\">a dis<span class=\"_ _0\"></span>cont<span class=\"_ _0\"></span>inu<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on, a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>arat<span class=\"_ _0\"></span>ive year </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gsd3\">res<span class=\"_ _1\"></span>tat<span class=\"_ _1\"></span>ed. Deta<span class=\"_ _1\"></span>ils rela<span class=\"_ _1\"></span>ted<span class=\"_ _1\"></span> to th<span class=\"_ _1\"></span>e discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsd4\">ca<span class=\"_ _0\"></span>n be fou<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>n note 3.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gsd5\">ii) Simplificat<span class=\"_ _1\"></span>ion and st<span class=\"_ _1\"></span>reamlining of<span class=\"_ _1\"></span> UK business<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsd6\">As pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of it<span class=\"_ _0\"></span>s ong<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>ng co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>itm<span class=\"_ _0\"></span>ent to prof<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsd7\">Gro<span class=\"_ _0\"></span>up l<span class=\"_ _0\"></span>aun<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>ed a re<span class=\"_ _0\"></span>dun<span class=\"_ _0\"></span>dan<span class=\"_ _0\"></span>cy an<span class=\"_ _0\"></span>d cost ef<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ien<span class=\"_ _0\"></span>cy </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsd8\">pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. N<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-re<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>osts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsd9\">to ach<span class=\"_ _0\"></span>ieve thes<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>es have b<span class=\"_ _0\"></span>een re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>d as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsda\">exceptio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l items<span class=\"_ _0\"></span>. Se<span class=\"_ _0\"></span>e note 4<span class=\"_ _2d6\"> </span>.<span class=\"_ _2d6\"> </span></div>iii) Launch<span class=\"_ _1\"></span> of share<span class=\"_ _1\"></span> buyback pr<span class=\"_ _1\"></span>ogramme<span class=\"_ _2d6\"> </span>As was<span class=\"_ _1\"></span> previously announced<span class=\"_ _1\"></span>, the Group commenced a sha<span class=\"_ _0\"></span>re bu<span class=\"_ _0\"></span>yba<span class=\"_ _0\"></span>ck p<span class=\"_ _0\"></span>rogr<span class=\"_ _0\"></span>am<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>n Marc<span class=\"_ _0\"></span>h 2024 t<span class=\"_ _1\"></span>o b<span class=\"_ _0\"></span>uy a<span class=\"_ _0\"></span>nd ca<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>l up to \u00a325 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on of sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n or<span class=\"_ _0\"></span>der to retur<span class=\"_ _0\"></span>n valu<span class=\"_ _0\"></span>e to sha<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>nal c<span class=\"_ _0\"></span>ost of th<span class=\"_ _0\"></span>e sha<span class=\"_ _0\"></span>res ca<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed re<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>re ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal w<span class=\"_ _0\"></span>ith a<span class=\"_ _0\"></span>n eq<span class=\"_ _0\"></span>ual i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al red<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve. Th<span class=\"_ _0\"></span>e ful<span class=\"_ _0\"></span>l cost of t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>uyba<span class=\"_ _0\"></span>ck i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lus<span class=\"_ _0\"></span>ive of sta<span class=\"_ _0\"></span>mp du<span class=\"_ _0\"></span>ty a<span class=\"_ _0\"></span>nd b<span class=\"_ _0\"></span>roker fees is d<span class=\"_ _0\"></span>ebi<span class=\"_ _0\"></span>ted to retain<span class=\"_ _0\"></span>ed e<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>gs. T<span class=\"_ _0\"></span>his p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>mme was co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>leted o<span class=\"_ _0\"></span>n 15 Octob<span class=\"_ _0\"></span>er 2024 with th<span class=\"_ _0\"></span>e pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase of 27<span class=\"_ _5\"></span>,30<span class=\"_ _0\"></span>8,339 o<span class=\"_ _0\"></span>rdi<span class=\"_ _0\"></span>nar<span class=\"_ _2\"></span>y share<span class=\"_ _0\"></span>s, an<span class=\"_ _0\"></span>d the p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>me wa<span class=\"_ _0\"></span>s exten<span class=\"_ _0\"></span>ded to u<span class=\"_ _0\"></span>p to a fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er \u00a325 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on of s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s. I<span class=\"_ _0\"></span>n the year to 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024, 33.5 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on sh<span class=\"_ _0\"></span>ares we<span class=\"_ _0\"></span>re pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>sed for c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion of \u00a333<span class=\"_ _0\"></span>.7 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ve of fee<span class=\"_ _1\"></span>s and e<span class=\"_ _1\"></span>xpenses under<span class=\"_ _1\"></span> the programme r<span class=\"_ _1\"></span>epresent<span class=\"_ _1\"></span>ing 9.3% of the c<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>p sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>. 0.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n of the pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>sed s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res were p<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g ca<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n as at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>. Se<span class=\"_ _0\"></span>e notes 17 and 20.<span class=\"_ _2d6\"> </span>iv)<span class=\"_ _1\"></span> Capita<span class=\"_ _0\"></span>l reduction<span class=\"_ _2d6\"> </span>In N<span class=\"_ _0\"></span>ovembe<span class=\"_ _0\"></span>r 2024, share<span class=\"_ _0\"></span>hol<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rs ap<span class=\"_ _0\"></span>proved a c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l redu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on at a g<span class=\"_ _0\"></span>ene<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>l me<span class=\"_ _0\"></span>etin<span class=\"_ _0\"></span>g he<span class=\"_ _0\"></span>ld by th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _1\"></span>, be<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>re am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt stan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g to credi<span class=\"_ _0\"></span>t th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>miu<span class=\"_ _0\"></span>m ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt. Th<span class=\"_ _0\"></span>e capital<span class=\"_ _1\"></span> reducti<span class=\"_ _1\"></span>on process<span class=\"_ _1\"></span> was com<span class=\"_ _1\"></span>pleted<span class=\"_ _1\"></span> in December<span class=\"_ _1\"></span> 202<span class=\"_ _1\"></span>4 a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>ted in t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e sha<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>miu<span class=\"_ _0\"></span>m an<span class=\"_ _0\"></span>d creat<span class=\"_ _0\"></span>ion of a<span class=\"_ _0\"></span>ccu<span class=\"_ _0\"></span>mu<span class=\"_ _0\"></span>lated p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he statem<span class=\"_ _0\"></span>ent of ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y by \u00a3293.5 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>is increased the d<span class=\"_ _0\"></span>istr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>utab<span class=\"_ _0\"></span>le r<span class=\"_ _0\"></span>ese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ves of the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny to help<span class=\"_ _0\"></span> facilitat<span class=\"_ _1\"></span>e on<span class=\"_ _0\"></span>goi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l acti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s and retu<span class=\"_ _0\"></span>rn of va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e to sha<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s. S<span class=\"_ _0\"></span>ee n<span class=\"_ _0\"></span>otes 18 and 20.<span class=\"_ _2d6\"> </span>v) Mod<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on to U<span class=\"_ _0\"></span>K of<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ce l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span>Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng Feb<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y 2024, the G<span class=\"_ _0\"></span>roup s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ned a<span class=\"_ _0\"></span>n ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt to modi<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>y the ter<span class=\"_ _0\"></span>ms of it<span class=\"_ _0\"></span>s lea<span class=\"_ _0\"></span>se on t<span class=\"_ _0\"></span>he t<span class=\"_ _0\"></span>wo level<span class=\"_ _0\"></span>s of the UK of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ice p<span class=\"_ _0\"></span>revio<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ly expi<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng in M<span class=\"_ _0\"></span>arc<span class=\"_ _0\"></span>h 2025, sho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>teni<span class=\"_ _0\"></span>ng one to expi<span class=\"_ _0\"></span>re in J<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>e 202<span class=\"_ _1\"></span>4 a<span class=\"_ _0\"></span>nd ex<span class=\"_ _0\"></span>tendi<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he oth<span class=\"_ _0\"></span>er to Ma<span class=\"_ _0\"></span>rch 2035 wi<span class=\"_ _0\"></span>th ter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n opti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s in Ma<span class=\"_ _0\"></span>rch 203<span class=\"_ _0\"></span>0. Both were ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unted for as a l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n. S<span class=\"_ _0\"></span>ee n<span class=\"_ _0\"></span>ote 1<span class=\"_ _1\"></span>1 for de<span class=\"_ _1\"></span>tails<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>vi) In<span class=\"_ _1\"></span>vest<span class=\"_ _1\"></span>ment in t<span class=\"_ _1\"></span>rust and co-in<span class=\"_ _1\"></span>ves<span class=\"_ _1\"></span>tment tran<span class=\"_ _1\"></span>sactions Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>es invested i<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>usts i<span class=\"_ _0\"></span>n whi<span class=\"_ _0\"></span>ch Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e is a mi<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investor s<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span> lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets to a thi<span class=\"_ _0\"></span>rd pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y and Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly<span class=\"_ _0\"></span> re-<span class=\"_ _0\"></span>invested a<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>e the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on, t<span class=\"_ _0\"></span>he net c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ows from t<span class=\"_ _0\"></span>he invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt were real<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d a net fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain of \u00a32<span class=\"_ _0\"></span>.2 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n was rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated statem<span class=\"_ _0\"></span>ent of co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rehe<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e. The c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows relate<span class=\"_ _0\"></span>d to the tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>sented n<span class=\"_ _0\"></span>et wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n \u201cC<span class=\"_ _0\"></span>ash re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>pts<span class=\"_ _0\"></span> from i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>\u201d in t<span class=\"_ _0\"></span>he statem<span class=\"_ _0\"></span>ent<span class=\"_ _2d6\"> </span>of cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows, refl<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g the n<span class=\"_ _0\"></span>et set<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt of the re<span class=\"_ _0\"></span>ali<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span> and r<span class=\"_ _0\"></span>e-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>. Se<span class=\"_ _0\"></span>e note 16.<span class=\"_ _2d6\"> </span>vii) Launch<span class=\"_ _1\"></span> of Cash<span class=\"_ _1\"></span>back business<span class=\"_ _1\"></span> credit card<span class=\"_ _2d6\"> </span>Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year th<span class=\"_ _0\"></span>e Cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ca<span class=\"_ _0\"></span>rd pr<span class=\"_ _0\"></span>odu<span class=\"_ _0\"></span>ct was lau<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>d offer<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>rs th<span class=\"_ _0\"></span>e abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty to sp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>d ag<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>st the<span class=\"_ _0\"></span>ir c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t li<span class=\"_ _0\"></span>mit a<span class=\"_ _0\"></span>nd ea<span class=\"_ _0\"></span>rn c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck o<span class=\"_ _0\"></span>n this s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>ith an i<span class=\"_ _0\"></span>ntrodu<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>y r<span class=\"_ _0\"></span>ate of 2% reduc<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g to 1<span class=\"_ _1\"></span>% af<span class=\"_ _0\"></span>ter si<span class=\"_ _0\"></span>x mo<span class=\"_ _0\"></span>nths. T<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers q<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>lif<span class=\"_ _0\"></span>y for c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck if t<span class=\"_ _0\"></span>hey eit<span class=\"_ _0\"></span>her re<span class=\"_ _0\"></span>pay th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>rd sp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>d in fu<span class=\"_ _0\"></span>ll, o<span class=\"_ _0\"></span>r ma<span class=\"_ _0\"></span>ke a mini<span class=\"_ _0\"></span>mu<span class=\"_ _0\"></span>m repay<span class=\"_ _0\"></span>ment by th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r bi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>ng date. B<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers w<span class=\"_ _0\"></span>ho re<span class=\"_ _0\"></span>pay the b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e in fu<span class=\"_ _0\"></span>ll d<span class=\"_ _0\"></span>o not in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>r interes<span class=\"_ _0\"></span>t cha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>s, whi<span class=\"_ _0\"></span>le any bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>rs wh<span class=\"_ _0\"></span>o do not p<span class=\"_ _0\"></span>ay the c<span class=\"_ _0\"></span>ard s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>nd b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e in fu<span class=\"_ _0\"></span>ll w<span class=\"_ _0\"></span>ill b<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>nterest o<span class=\"_ _0\"></span>n the d<span class=\"_ _0\"></span>rawn b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e. The c<span class=\"_ _0\"></span>ash<span class=\"_ _0\"></span>ba<span class=\"_ _0\"></span>ck is n<span class=\"_ _0\"></span>etted a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>t the b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers<span class=\"_ _0\"></span>\u2019 c<span class=\"_ _0\"></span>ard sp<span class=\"_ _0\"></span>end b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e du<span class=\"_ _0\"></span>e. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es interc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge fee in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e on t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ard s<span class=\"_ _0\"></span>pen<span class=\"_ _0\"></span>d of c.1.<span class=\"_ _1\"></span>75% rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed in tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n fee in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e. \u00a30.3 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of interc<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge fee in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e (2023: \u00a3<span class=\"_ _1\"></span>n<span class=\"_ _0\"></span>il) was re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the yea<span class=\"_ _0\"></span>r gros<span class=\"_ _0\"></span>s of cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck p<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d to the bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>r is rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as a re<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>acti<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 15 as it is c<span class=\"_ _0\"></span>ash s<span class=\"_ _0\"></span>ett<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d in natu<span class=\"_ _0\"></span>re an<span class=\"_ _0\"></span>d is pre<span class=\"_ _0\"></span>sente<span class=\"_ _0\"></span>d net<span class=\"_ _0\"></span>ted ag<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>st th<span class=\"_ _0\"></span>e interch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me, wh<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>e intere<span class=\"_ _0\"></span>st ear<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d on c<span class=\"_ _0\"></span>ard b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ich revo<span class=\"_ _0\"></span>lve is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed wit<span class=\"_ _0\"></span>hin i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ome i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated statem<span class=\"_ _0\"></span>ent of comprehensi<span class=\"_ _1\"></span>ve income.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "fundingcircleholdingsplc:DisclosureOfSignificantChangesInTheCurrentReportingYear",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-405": {
   "value": "Changes in<span class=\"_ _1\"></span> accounting<span class=\"_ _1\"></span> policy and<span class=\"_ _1\"></span> disclosures<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has a<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>pted the fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing n<span class=\"_ _0\"></span>ew an<span class=\"_ _0\"></span>d am<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>ed IFR<span class=\"_ _0\"></span>Ss an<span class=\"_ _0\"></span>d inter<span class=\"_ _0\"></span>pretat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns from 1 J<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>uar<span class=\"_ _2\"></span>y 202<span class=\"_ _1\"></span>4. <table class=\"s w17d h9c\" id=\"_3c80c4a8-f2ee-4ec6-9281-1203ed562d60\"><tr><td></td><td></td><td class=\"t m0 x372 h35 y28a3 ff4 fs19 fc5 sc0 lse5 wsde\">Applicable<span class=\"_ _1\"></span> for<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x373 h35 y28a4 ff4 fs19 fc5 sc0 lsd0 wsc7\">financial y<span class=\"_ _1\"></span>ears</td></tr><tr><td></td><td></td><td class=\"t m0 x374 h35 y28a5 ff4 fs19 fc5 sc0 lsd1 wsc8\"> beginning<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y28a6 w17a h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls101 wsfa\">Standard/<span class=\"_ _0\"></span>interpretation<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x36c y28a6 w17b h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">C<span class=\"_ _0\"></span>ontent<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x375 h35 y28a7 ff4 fs19 fc5 sc0 ls108 ws101\">on<span class=\"_ _0\"></span>/af<span class=\"_ _0\"></span>ter<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28a8 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 1 \u2013 </td><td class=\"t m0 x376 hd y28a8 ff4 fs6 fc5 sc0 ls2 ws2\">Pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of </td><td class=\"t m0 x377 hd y28a8 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28a9 ff4 fs6 fc5 sc0 ls1e ws26\">Classification of<span class=\"_ _1\"></span> Liabilities </td><td class=\"t m0 x376 hd y28a9 ff4 fs6 fc5 sc0 lsfe wsf7\">financial </td><td class=\"t m0 x378 hd y28a9 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28aa ff4 fs6 fc5 sc0 ls2 ws2\">as Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt or N<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x376 hd y28aa ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d hd y28ab ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 1 \u2013  </td><td class=\"t m0 x376 hd y28ab ff4 fs6 fc5 sc0 ls2 ws2\">Pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of </td><td class=\"t m0 x377 hd y28ab ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28ac ff4 fs6 fc5 sc0 ls2 ws2\">No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ent Li<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>es wi<span class=\"_ _0\"></span>th </td><td class=\"t m0 x376 hd y28ac ff4 fs6 fc5 sc0 lsfe wsf7\">financial </td><td class=\"t m0 x378 hd y28ac ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28ad ff4 fs6 fc5 sc0 lsd4 wscb\">Cove<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x376 hd y28ad ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d hd y28ae ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 12 \u2013 </td><td class=\"c n x379 y28af w17e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lse2 wsdb\">Ta<span class=\"_ _2\"></span>x<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x37a y28af w17f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y28b0 ff4 fs6 fc5 sc0 ls2 ws2\">Inter<span class=\"_ _0\"></span>nat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal T<span class=\"_ _1\"></span>ax R<span class=\"_ _0\"></span>efor<span class=\"_ _0\"></span>m \u2013 </td><td></td><td class=\"t m0 x378 hd y28b0 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b1 ff4 fs6 fc5 sc0 ls2 ws2\">Pil<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r T<span class=\"_ _1\"></span>wo Mod<span class=\"_ _0\"></span>el R<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28b2 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 1 Ge<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>l </td><td class=\"t m0 x376 hd y28b2 ff4 fs6 fc5 sc0 lsfe wsf7\">Sustainability </td><td class=\"t m0 x377 hd y28b2 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b3 ff4 fs6 fc5 sc0 ls15 ws14\">Requiremen<span class=\"_ _1\"></span>ts f<span class=\"_ _1\"></span>or Disclosure<span class=\"_ _1\"></span> </td><td class=\"t m0 x376 hd y28b3 ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 hd y28b3 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b4 ff4 fs6 fc5 sc0 ls2 ws2\">of Sus<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y-<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>ated </td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28b5 ff4 fs6 fc5 sc0 ls13 ws12\">Financial<span class=\"_ _1\"></span> Inf<span class=\"_ _1\"></span>ormation<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28b6 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S S2 Cl<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ate-<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>ated </td><td class=\"t m0 x376 hd y28b6 ff4 fs6 fc5 sc0 lsfe wsf7\">Sustainability </td><td class=\"t m0 x377 hd y28b6 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b7 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x376 hd y28b7 ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 hd y28b7 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b8 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 7 an<span class=\"_ _0\"></span>d </td><td class=\"t m0 x376 hd y28b8 ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x377 hd y28b8 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b9 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 7 \u2013 Su<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>er Fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e </td><td class=\"t m0 x376 hd y28b9 ff4 fs6 fc5 sc0 ls15 ws14\">instrumen<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 hd y28b9 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28ba ff4 fs6 fc5 sc0 ls17 ws16\">Arrangements<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28bb ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>FRS 16 \u2013 </td><td class=\"c n x379 y28bc w180 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Leases<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x37b y28bc w181 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w182 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">Lease L<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y in a S<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Lease<span class=\"_ _1\"></span>bac<span class=\"_ _0\"></span>k<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"t m0 x378 hd y28be ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr></table>The a<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>ndm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>retatio<span class=\"_ _0\"></span>ns li<span class=\"_ _0\"></span>sted ab<span class=\"_ _0\"></span>ove did n<span class=\"_ _0\"></span>ot materi<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly af<span class=\"_ _0\"></span>fect t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt year an<span class=\"_ _0\"></span>d are n<span class=\"_ _0\"></span>ot expe<span class=\"_ _0\"></span>cted to mat<span class=\"_ _1\"></span>erially aff<span class=\"_ _1\"></span>ect futur<span class=\"_ _1\"></span>e years<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfInitialApplicationOfStandardsOrInterpretations",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-352": {
   "value": "Changes in<span class=\"_ _1\"></span> accounting<span class=\"_ _1\"></span> policy and<span class=\"_ _1\"></span> disclosures<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has a<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>pted the fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing n<span class=\"_ _0\"></span>ew an<span class=\"_ _0\"></span>d am<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>ed IFR<span class=\"_ _0\"></span>Ss an<span class=\"_ _0\"></span>d inter<span class=\"_ _0\"></span>pretat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns from 1 J<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>uar<span class=\"_ _2\"></span>y 202<span class=\"_ _1\"></span>4. <table class=\"s w17d h9c\" id=\"_3c80c4a8-f2ee-4ec6-9281-1203ed562d60\"><tr><td></td><td></td><td class=\"t m0 x372 h35 y28a3 ff4 fs19 fc5 sc0 lse5 wsde\">Applicable<span class=\"_ _1\"></span> for<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x373 h35 y28a4 ff4 fs19 fc5 sc0 lsd0 wsc7\">financial y<span class=\"_ _1\"></span>ears</td></tr><tr><td></td><td></td><td class=\"t m0 x374 h35 y28a5 ff4 fs19 fc5 sc0 lsd1 wsc8\"> beginning<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y28a6 w17a h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls101 wsfa\">Standard/<span class=\"_ _0\"></span>interpretation<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x36c y28a6 w17b h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">C<span class=\"_ _0\"></span>ontent<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x375 h35 y28a7 ff4 fs19 fc5 sc0 ls108 ws101\">on<span class=\"_ _0\"></span>/af<span class=\"_ _0\"></span>ter<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28a8 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 1 \u2013 </td><td class=\"t m0 x376 hd y28a8 ff4 fs6 fc5 sc0 ls2 ws2\">Pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of </td><td class=\"t m0 x377 hd y28a8 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28a9 ff4 fs6 fc5 sc0 ls1e ws26\">Classification of<span class=\"_ _1\"></span> Liabilities </td><td class=\"t m0 x376 hd y28a9 ff4 fs6 fc5 sc0 lsfe wsf7\">financial </td><td class=\"t m0 x378 hd y28a9 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28aa ff4 fs6 fc5 sc0 ls2 ws2\">as Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt or N<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x376 hd y28aa ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d hd y28ab ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 1 \u2013  </td><td class=\"t m0 x376 hd y28ab ff4 fs6 fc5 sc0 ls2 ws2\">Pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of </td><td class=\"t m0 x377 hd y28ab ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28ac ff4 fs6 fc5 sc0 ls2 ws2\">No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ent Li<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>es wi<span class=\"_ _0\"></span>th </td><td class=\"t m0 x376 hd y28ac ff4 fs6 fc5 sc0 lsfe wsf7\">financial </td><td class=\"t m0 x378 hd y28ac ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28ad ff4 fs6 fc5 sc0 lsd4 wscb\">Cove<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x376 hd y28ad ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d hd y28ae ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 12 \u2013 </td><td class=\"c n x379 y28af w17e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lse2 wsdb\">Ta<span class=\"_ _2\"></span>x<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x37a y28af w17f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y28b0 ff4 fs6 fc5 sc0 ls2 ws2\">Inter<span class=\"_ _0\"></span>nat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal T<span class=\"_ _1\"></span>ax R<span class=\"_ _0\"></span>efor<span class=\"_ _0\"></span>m \u2013 </td><td></td><td class=\"t m0 x378 hd y28b0 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b1 ff4 fs6 fc5 sc0 ls2 ws2\">Pil<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r T<span class=\"_ _1\"></span>wo Mod<span class=\"_ _0\"></span>el R<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28b2 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 1 Ge<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>l </td><td class=\"t m0 x376 hd y28b2 ff4 fs6 fc5 sc0 lsfe wsf7\">Sustainability </td><td class=\"t m0 x377 hd y28b2 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b3 ff4 fs6 fc5 sc0 ls15 ws14\">Requiremen<span class=\"_ _1\"></span>ts f<span class=\"_ _1\"></span>or Disclosure<span class=\"_ _1\"></span> </td><td class=\"t m0 x376 hd y28b3 ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 hd y28b3 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b4 ff4 fs6 fc5 sc0 ls2 ws2\">of Sus<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y-<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>ated </td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28b5 ff4 fs6 fc5 sc0 ls13 ws12\">Financial<span class=\"_ _1\"></span> Inf<span class=\"_ _1\"></span>ormation<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28b6 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S S2 Cl<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ate-<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>ated </td><td class=\"t m0 x376 hd y28b6 ff4 fs6 fc5 sc0 lsfe wsf7\">Sustainability </td><td class=\"t m0 x377 hd y28b6 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b7 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x376 hd y28b7 ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 hd y28b7 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b8 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 7 an<span class=\"_ _0\"></span>d </td><td class=\"t m0 x376 hd y28b8 ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x377 hd y28b8 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28b9 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 7 \u2013 Su<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>er Fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e </td><td class=\"t m0 x376 hd y28b9 ff4 fs6 fc5 sc0 ls15 ws14\">instrumen<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 hd y28b9 ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y28ba ff4 fs6 fc5 sc0 ls17 ws16\">Arrangements<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28bb ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>FRS 16 \u2013 </td><td class=\"c n x379 y28bc w180 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Leases<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x37b y28bc w181 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w182 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">Lease L<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y in a S<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Lease<span class=\"_ _1\"></span>bac<span class=\"_ _0\"></span>k<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"t m0 x378 hd y28be ff4 fs6 fc5 sc0 ls89 ws85\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr></table>The a<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>ndm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>retatio<span class=\"_ _0\"></span>ns li<span class=\"_ _0\"></span>sted ab<span class=\"_ _0\"></span>ove did n<span class=\"_ _0\"></span>ot materi<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly af<span class=\"_ _0\"></span>fect t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt year an<span class=\"_ _0\"></span>d are n<span class=\"_ _0\"></span>ot expe<span class=\"_ _0\"></span>cted to mat<span class=\"_ _1\"></span>erially aff<span class=\"_ _1\"></span>ect futur<span class=\"_ _1\"></span>e years<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n new a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng st<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>ards a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>retatio<span class=\"_ _0\"></span>ns have be<span class=\"_ _0\"></span>en pu<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ish<span class=\"_ _0\"></span>ed t<span class=\"_ _0\"></span>hat are n<span class=\"_ _0\"></span>ot man<span class=\"_ _0\"></span>dator<span class=\"_ _0\"></span>y for 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng yea<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d have not b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n ear<span class=\"_ _0\"></span>ly ado<span class=\"_ _0\"></span>pted by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w179 h9b\" id=\"_d945e9f5-fb40-44bf-a7b4-a6e8cfb03a05\"><tr><td></td><td></td><td class=\"t m0 x369 h35 y2891 ff4 fs19 fc5 sc0 lse5 wsde\">Applicable<span class=\"_ _1\"></span> for<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x36a h35 y2892 ff4 fs19 fc5 sc0 lsd0 wsc7\">financial y<span class=\"_ _1\"></span>ears</td></tr><tr><td></td><td></td><td class=\"t m0 x36b h35 y2893 ff4 fs19 fc5 sc0 lsd1 wsc8\"> beginning<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2895 w17a h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls101 wsfa\">Standard/<span class=\"_ _0\"></span>interpretation<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x36c y2895 w17b h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">C<span class=\"_ _0\"></span>ontent<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x36d h35 y2896 ff4 fs19 fc5 sc0 ls108 ws101\">on<span class=\"_ _0\"></span>/af<span class=\"_ _0\"></span>ter<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y2897 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 21 \u2013 </td><td class=\"t m0 x36f hd y2897 ff4 fs6 fc5 sc0 ls1e ws26\">Foreign<span class=\"_ _1\"></span> </td><td class=\"t m0 x370 hd y2897 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y2898 ff4 fs6 fc5 sc0 lsc wsb\">Lack o<span class=\"_ _1\"></span>f Exchangeability<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x36f hd y2898 ff4 fs6 fc5 sc0 ls17 ws16\">ex<span class=\"_ _1\"></span>change rat<span class=\"_ _1\"></span>es</td><td class=\"t m0 x371 hd y2898 ff4 fs6 fc5 sc0 ls8a ws86\"> 2025<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y2899 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ent to IFR<span class=\"_ _0\"></span>S 9 an<span class=\"_ _0\"></span>d </td><td class=\"t m0 x36f hd y2899 ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x370 hd y2899 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c x1c5 y289a w17c h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 7 \u2013 Cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent of Fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x36f hd y289b ff4 fs6 fc5 sc0 ls15 ws14\">instrumen<span class=\"_ _1\"></span>ts</td><td class=\"t m0 x371 hd y289b ff4 fs6 fc5 sc0 ls53 ws6d\"> 2026<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y289c ff4 fs6 fc5 sc0 ls15 ws14\">Instrumen<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x36e hd y289d ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 18 Pres<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d </td><td class=\"t m0 x36f hd y289d ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x370 hd y289d ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y289e ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ure i<span class=\"_ _0\"></span>n Fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al </td><td class=\"t m0 x36f hd y289e ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s </td><td class=\"t m0 x371 hd y289e ff4 fs6 fc5 sc0 ls34 ws35\"> 2027<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y289f ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ateme<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x36f hd y289f ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x36e hd y28a0 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 19 Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es wi<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>out </td><td class=\"t m0 x36f hd y28a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x370 hd y28a0 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y28a1 ff4 fs6 fc5 sc0 ls15 ws14\">Public<span class=\"_ _1\"></span> Accountability<span class=\"_ _1\"></span>: </td><td class=\"t m0 x36f hd y28a1 ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s </td><td class=\"t m0 x371 hd y28a1 ff4 fs6 fc5 sc0 ls34 ws35\"> 2027<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y28a2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x36f hd y28a2 ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td></td></tr></table>Wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e excepti<span class=\"_ _0\"></span>on of I<span class=\"_ _0\"></span>FRS 18, th<span class=\"_ _0\"></span>ese st<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>dards a<span class=\"_ _0\"></span>re not expec<span class=\"_ _0\"></span>ted to have a materi<span class=\"_ _0\"></span>al im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct on t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p in the c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent or f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng yea<span class=\"_ _0\"></span>rs o<span class=\"_ _0\"></span>r on fore<span class=\"_ _0\"></span>see<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e future transact<span class=\"_ _0\"></span>ions.<span class=\"_ _2d6\"> </span>IFR<span class=\"_ _0\"></span>S 18 was iss<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d in A<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>il 2024 and i<span class=\"_ _0\"></span>s effec<span class=\"_ _0\"></span>tive for pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>ds b<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>inn<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g on o<span class=\"_ _0\"></span>r after 1 J<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>uar<span class=\"_ _0\"></span>y 2027<span class=\"_ _5\"></span>. Ea<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>y ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion i<span class=\"_ _0\"></span>s pe<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ted an<span class=\"_ _0\"></span>d com<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ves wil<span class=\"_ _0\"></span>l req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>re restatem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>. The st<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>dard w<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l rep<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e IA<span class=\"_ _0\"></span>S 1 Prese<span class=\"_ _0\"></span>ntati<span class=\"_ _0\"></span>on of Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l Statem<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>. It wi<span class=\"_ _0\"></span>ll n<span class=\"_ _0\"></span>ot cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e how item<span class=\"_ _0\"></span>s are rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d bu<span class=\"_ _0\"></span>t wi<span class=\"_ _0\"></span>ll focu<span class=\"_ _0\"></span>s on t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me statem<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ing of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce, sp<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>lly, class<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me a<span class=\"_ _0\"></span>nd expe<span class=\"_ _0\"></span>nse<span class=\"_ _0\"></span>s into thre<span class=\"_ _0\"></span>e new def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>atego<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es \u2013 \u201cop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>\u201d<span class=\"_ _1\"></span>, \u201c<span class=\"_ _0\"></span>investi<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>\u201d a<span class=\"_ _0\"></span>nd \u201c<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>\u201d<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>wo new su<span class=\"_ _0\"></span>btotals \u2013 \u201cop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g prof<span class=\"_ _0\"></span>it and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s\u201d a<span class=\"_ _0\"></span>nd \u201c<span class=\"_ _0\"></span>prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s before f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e tax<span class=\"_ _0\"></span>\u201d<span class=\"_ _1\"></span>, i<span class=\"_ _0\"></span>ntrod<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>ing d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>los<span class=\"_ _0\"></span>ures of m<span class=\"_ _0\"></span>ana<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt def<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>d performance mea<span class=\"_ _1\"></span>sures (\u201cMPMs\u201d) and enhanc<span class=\"_ _1\"></span>ing general requiremen<span class=\"_ _1\"></span>ts on aggr<span class=\"_ _1\"></span>egation and<span class=\"_ _1\"></span> disaggregati<span class=\"_ _1\"></span>on. The im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of the st<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>ard i<span class=\"_ _0\"></span>s yet to be ful<span class=\"_ _0\"></span>ly as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d by the Group<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-406": {
   "value": "Ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n new a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng st<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>ards a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>retatio<span class=\"_ _0\"></span>ns have be<span class=\"_ _0\"></span>en pu<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ish<span class=\"_ _0\"></span>ed t<span class=\"_ _0\"></span>hat are n<span class=\"_ _0\"></span>ot man<span class=\"_ _0\"></span>dator<span class=\"_ _0\"></span>y for 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng yea<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d have not b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n ear<span class=\"_ _0\"></span>ly ado<span class=\"_ _0\"></span>pted by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w179 h9b\" id=\"_d945e9f5-fb40-44bf-a7b4-a6e8cfb03a05\"><tr><td></td><td></td><td class=\"t m0 x369 h35 y2891 ff4 fs19 fc5 sc0 lse5 wsde\">Applicable<span class=\"_ _1\"></span> for<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x36a h35 y2892 ff4 fs19 fc5 sc0 lsd0 wsc7\">financial y<span class=\"_ _1\"></span>ears</td></tr><tr><td></td><td></td><td class=\"t m0 x36b h35 y2893 ff4 fs19 fc5 sc0 lsd1 wsc8\"> beginning<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2895 w17a h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls101 wsfa\">Standard/<span class=\"_ _0\"></span>interpretation<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x36c y2895 w17b h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">C<span class=\"_ _0\"></span>ontent<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x36d h35 y2896 ff4 fs19 fc5 sc0 ls108 ws101\">on<span class=\"_ _0\"></span>/af<span class=\"_ _0\"></span>ter<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y2897 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ents to I<span class=\"_ _0\"></span>AS 21 \u2013 </td><td class=\"t m0 x36f hd y2897 ff4 fs6 fc5 sc0 ls1e ws26\">Foreign<span class=\"_ _1\"></span> </td><td class=\"t m0 x370 hd y2897 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y2898 ff4 fs6 fc5 sc0 lsc wsb\">Lack o<span class=\"_ _1\"></span>f Exchangeability<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x36f hd y2898 ff4 fs6 fc5 sc0 ls17 ws16\">ex<span class=\"_ _1\"></span>change rat<span class=\"_ _1\"></span>es</td><td class=\"t m0 x371 hd y2898 ff4 fs6 fc5 sc0 ls8a ws86\"> 2025<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y2899 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dm<span class=\"_ _0\"></span>ent to IFR<span class=\"_ _0\"></span>S 9 an<span class=\"_ _0\"></span>d </td><td class=\"t m0 x36f hd y2899 ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x370 hd y2899 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c x1c5 y289a w17c h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 7 \u2013 Cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent of Fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x36f hd y289b ff4 fs6 fc5 sc0 ls15 ws14\">instrumen<span class=\"_ _1\"></span>ts</td><td class=\"t m0 x371 hd y289b ff4 fs6 fc5 sc0 ls53 ws6d\"> 2026<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y289c ff4 fs6 fc5 sc0 ls15 ws14\">Instrumen<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x36e hd y289d ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 18 Pres<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d </td><td class=\"t m0 x36f hd y289d ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x370 hd y289d ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y289e ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ure i<span class=\"_ _0\"></span>n Fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al </td><td class=\"t m0 x36f hd y289e ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s </td><td class=\"t m0 x371 hd y289e ff4 fs6 fc5 sc0 ls34 ws35\"> 2027<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y289f ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ateme<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x36f hd y289f ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x36e hd y28a0 ff4 fs6 fc5 sc0 ls2 ws2\">IFR<span class=\"_ _0\"></span>S 19 Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es wi<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>out </td><td class=\"t m0 x36f hd y28a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Financial </td><td class=\"t m0 x370 hd y28a0 ff4 fs6 fc5 sc0 ls17 ws16\">1 January<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y28a1 ff4 fs6 fc5 sc0 ls15 ws14\">Public<span class=\"_ _1\"></span> Accountability<span class=\"_ _1\"></span>: </td><td class=\"t m0 x36f hd y28a1 ff4 fs6 fc5 sc0 ls2 ws2\">statem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s </td><td class=\"t m0 x371 hd y28a1 ff4 fs6 fc5 sc0 ls34 ws35\"> 2027<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x36e hd y28a2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disclosures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x36f hd y28a2 ff4 fs6 fc5 sc0 lsd2 wsc9\">disclosures<span class=\"_ _2d6\"> </span></td><td></td></tr></table>Wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e excepti<span class=\"_ _0\"></span>on of I<span class=\"_ _0\"></span>FRS 18, th<span class=\"_ _0\"></span>ese st<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>dards a<span class=\"_ _0\"></span>re not expec<span class=\"_ _0\"></span>ted to have a materi<span class=\"_ _0\"></span>al im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct on t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p in the c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent or f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng yea<span class=\"_ _0\"></span>rs o<span class=\"_ _0\"></span>r on fore<span class=\"_ _0\"></span>see<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e future transact<span class=\"_ _0\"></span>ions.<span class=\"_ _2d6\"> </span>IFR<span class=\"_ _0\"></span>S 18 was iss<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d in A<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>il 2024 and i<span class=\"_ _0\"></span>s effec<span class=\"_ _0\"></span>tive for pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>ds b<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>inn<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g on o<span class=\"_ _0\"></span>r after 1 J<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>uar<span class=\"_ _0\"></span>y 2027<span class=\"_ _5\"></span>. Ea<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>y ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion i<span class=\"_ _0\"></span>s pe<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ted an<span class=\"_ _0\"></span>d com<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ves wil<span class=\"_ _0\"></span>l req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>re restatem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>. The st<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>dard w<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l rep<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e IA<span class=\"_ _0\"></span>S 1 Prese<span class=\"_ _0\"></span>ntati<span class=\"_ _0\"></span>on of Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l Statem<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>. It wi<span class=\"_ _0\"></span>ll n<span class=\"_ _0\"></span>ot cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e how item<span class=\"_ _0\"></span>s are rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d bu<span class=\"_ _0\"></span>t wi<span class=\"_ _0\"></span>ll focu<span class=\"_ _0\"></span>s on t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me statem<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ing of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce, sp<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>lly, class<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me a<span class=\"_ _0\"></span>nd expe<span class=\"_ _0\"></span>nse<span class=\"_ _0\"></span>s into thre<span class=\"_ _0\"></span>e new def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>atego<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es \u2013 \u201cop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>\u201d<span class=\"_ _1\"></span>, \u201c<span class=\"_ _0\"></span>investi<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>\u201d a<span class=\"_ _0\"></span>nd \u201c<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>\u201d<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>wo new su<span class=\"_ _0\"></span>btotals \u2013 \u201cop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g prof<span class=\"_ _0\"></span>it and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s\u201d a<span class=\"_ _0\"></span>nd \u201c<span class=\"_ _0\"></span>prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s before f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e tax<span class=\"_ _0\"></span>\u201d<span class=\"_ _1\"></span>, i<span class=\"_ _0\"></span>ntrod<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>ing d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>los<span class=\"_ _0\"></span>ures of m<span class=\"_ _0\"></span>ana<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt def<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>d performance mea<span class=\"_ _1\"></span>sures (\u201cMPMs\u201d) and enhanc<span class=\"_ _1\"></span>ing general requiremen<span class=\"_ _1\"></span>ts on aggr<span class=\"_ _1\"></span>egation and<span class=\"_ _1\"></span> disaggregati<span class=\"_ _1\"></span>on. The im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of the st<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>ard i<span class=\"_ _0\"></span>s yet to be ful<span class=\"_ _0\"></span>ly as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d by the Group<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-353": {
   "value": "Re-presen<span class=\"_ _1\"></span>tation o<span class=\"_ _1\"></span>f SME loans:<span class=\"_ _2d6\"> </span>On t<span class=\"_ _0\"></span>he ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et \u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans (sec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sed)<span class=\"_ _0\"></span>\u201d<span class=\"_ _1\"></span>, \u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans (ware<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>use)\u201d an<span class=\"_ _0\"></span>d \u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans (othe<span class=\"_ _0\"></span>r)\u201d he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir valu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh pr<span class=\"_ _0\"></span>ofit a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n pre<span class=\"_ _0\"></span>sented u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er \u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>\u201d an<span class=\"_ _0\"></span>d \u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans (othe<span class=\"_ _0\"></span>r)\u201d he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed co<span class=\"_ _0\"></span>st have be<span class=\"_ _0\"></span>en pres<span class=\"_ _0\"></span>ented u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r \u201c<span class=\"_ _0\"></span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cost<span class=\"_ _2\"></span>\u201d in ord<span class=\"_ _0\"></span>er to sim<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>y th<span class=\"_ _0\"></span>e pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>ion of t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans as t<span class=\"_ _0\"></span>he bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ces b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e les<span class=\"_ _0\"></span>s mater<span class=\"_ _0\"></span>ial w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ative year re<span class=\"_ _0\"></span>-p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted on t<span class=\"_ _0\"></span>his b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s. Ad<span class=\"_ _0\"></span>diti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent and n<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>rent s<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>it of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cost h<span class=\"_ _0\"></span>as b<span class=\"_ _0\"></span>een re<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ented to mo<span class=\"_ _0\"></span>re ac<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>ately ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ct whe<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows be<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me du<span class=\"_ _0\"></span>e. Thi<span class=\"_ _0\"></span>s pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>nd re-<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>ed to th<span class=\"_ _0\"></span>e ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ica<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e notes and cash<span class=\"_ _1\"></span> flow sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> throughout the<span class=\"_ _1\"></span>se accounts<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationsOrChangesInPresentationExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-354": {
   "value": "Discont<span class=\"_ _1\"></span>inued operations<span class=\"_ _1\"></span> and deconsolid<span class=\"_ _1\"></span>ation<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up i<span class=\"_ _0\"></span>ntends to se<span class=\"_ _0\"></span>ll as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r Bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s Uni<span class=\"_ _0\"></span>ts, I<span class=\"_ _0\"></span>FRS 5 N<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent As<span class=\"_ _0\"></span>sets H<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d for S<span class=\"_ _0\"></span>ale a<span class=\"_ _0\"></span>nd Dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d Op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns, is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>lie<span class=\"_ _0\"></span>d. A<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>et or g<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p of ass<span class=\"_ _0\"></span>ets is tre<span class=\"_ _0\"></span>ated as a dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion i<span class=\"_ _0\"></span>f: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>t is avail<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le for i<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>ate sal<span class=\"_ _0\"></span>e in it<span class=\"_ _0\"></span>s pres<span class=\"_ _0\"></span>ent co<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e sa<span class=\"_ _0\"></span>le i<span class=\"_ _0\"></span>s hig<span class=\"_ _0\"></span>hly p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e, wit<span class=\"_ _0\"></span>h ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent </span></span>com<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>tted to a p<span class=\"_ _0\"></span>lan to se<span class=\"_ _0\"></span>ll t<span class=\"_ _0\"></span>he as<span class=\"_ _0\"></span>set an<span class=\"_ _0\"></span>d an a<span class=\"_ _0\"></span>ctive pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e to loc<span class=\"_ _0\"></span>ate a buyer i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tiated; an<span class=\"_ _0\"></span>d <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e sa<span class=\"_ _0\"></span>le i<span class=\"_ _0\"></span>s expec<span class=\"_ _0\"></span>ted to be co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>leted w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in 1 yea<span class=\"_ _0\"></span>r of </span></span>cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d for s<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e.<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>ese c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a are m<span class=\"_ _0\"></span>et, the a<span class=\"_ _0\"></span>ssets i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e dis<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>al grou<span class=\"_ _0\"></span>p are m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>d at the l<span class=\"_ _0\"></span>ower of fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue l<span class=\"_ _0\"></span>ess c<span class=\"_ _0\"></span>ost to sel<span class=\"_ _0\"></span>l and t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g valu<span class=\"_ _0\"></span>e at th<span class=\"_ _0\"></span>e poi<span class=\"_ _0\"></span>nt th<span class=\"_ _0\"></span>ey are con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d to meet t<span class=\"_ _0\"></span>he cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>. The re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>ts fro<span class=\"_ _0\"></span>m the discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> are pre<span class=\"_ _1\"></span>sent<span class=\"_ _1\"></span>ed separa<span class=\"_ _1\"></span>tely in<span class=\"_ _1\"></span> the consolida<span class=\"_ _1\"></span>ted st<span class=\"_ _1\"></span>atemen<span class=\"_ _1\"></span>t of compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income with the c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>par<span class=\"_ _0\"></span>ative yea<span class=\"_ _0\"></span>r restated o<span class=\"_ _0\"></span>n a li<span class=\"_ _0\"></span>ke-for-like ba<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>ere a B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s Un<span class=\"_ _0\"></span>it of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up is h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d as a dis<span class=\"_ _0\"></span>cont<span class=\"_ _0\"></span>inu<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e intenti<span class=\"_ _0\"></span>on of s<span class=\"_ _0\"></span>ell<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g it, it wi<span class=\"_ _0\"></span>ll re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated for as l<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g as the c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a for cont<span class=\"_ _0\"></span>rol as d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d by IFRS 10 C<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated Fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l State<span class=\"_ _0\"></span>ments<span class=\"_ _0\"></span>, are met<span class=\"_ _0\"></span>. Al<span class=\"_ _0\"></span>l th<span class=\"_ _0\"></span>ree of th<span class=\"_ _0\"></span>ese c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a must b<span class=\"_ _0\"></span>e met in o<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>r to contr<span class=\"_ _0\"></span>ol an e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsb8 wsb6\">p<span class=\"_ _0\"></span>owe<span class=\"_ _0\"></span>r ove<span class=\"_ _0\"></span>r t<span class=\"_ _0\"></span>he i<span class=\"_ _0\"></span>nves<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>e;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">exp<span class=\"_ _0\"></span>osur<span class=\"_ _0\"></span>e, or ri<span class=\"_ _0\"></span>ghts, to var<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e retur<span class=\"_ _0\"></span>ns fro<span class=\"_ _0\"></span>m its </span></span>involve<span class=\"_ _0\"></span>ment w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he investe<span class=\"_ _0\"></span>e; and <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty to us<span class=\"_ _0\"></span>e its p<span class=\"_ _0\"></span>ower over th<span class=\"_ _0\"></span>e investee to af<span class=\"_ _0\"></span>fect </span></span>the a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e investor<span class=\"_ _2\"></span>\u2019s returns<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>e an ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt mig<span class=\"_ _0\"></span>ht be s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>ed to se<span class=\"_ _0\"></span>ll t<span class=\"_ _0\"></span>he op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>, if th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nue<span class=\"_ _0\"></span>s to meet th<span class=\"_ _0\"></span>e cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia for co<span class=\"_ _0\"></span>ntrol b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ween s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d cl<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on, deconsoli<span class=\"_ _1\"></span>dation<span class=\"_ _1\"></span> will only oc<span class=\"_ _1\"></span>cur on clo<span class=\"_ _1\"></span>sing once t<span class=\"_ _1\"></span>he cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia are n<span class=\"_ _0\"></span>o lo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>er met<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-355": {
   "value": "Share buybacks Sha<span class=\"_ _0\"></span>res p<span class=\"_ _0\"></span>urch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>s par<span class=\"_ _0\"></span>t of the s<span class=\"_ _0\"></span>hare b<span class=\"_ _0\"></span>uyb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e redu<span class=\"_ _0\"></span>ce t<span class=\"_ _0\"></span>he eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ty of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, but ar<span class=\"_ _0\"></span>e anti<span class=\"_ _0\"></span>-d<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>utive a<span class=\"_ _0\"></span>nd retu<span class=\"_ _0\"></span>rn val<span class=\"_ _0\"></span>ue to sha<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s wh<span class=\"_ _0\"></span>en ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g ear<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ngs p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>. The nom<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>al co<span class=\"_ _0\"></span>st of the s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d can<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed is treated as a r<span class=\"_ _0\"></span>edu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n sha<span class=\"_ _0\"></span>re ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al wi<span class=\"_ _0\"></span>th an of<span class=\"_ _0\"></span>fs<span class=\"_ _0\"></span>ett<span class=\"_ _0\"></span>ing inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>dem<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve. Th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al rede<span class=\"_ _0\"></span>mpt<span class=\"_ _0\"></span>ion re<span class=\"_ _0\"></span>ser<span class=\"_ _2\"></span>ve is a non-<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>istr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>utab<span class=\"_ _0\"></span>le re<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>an b<span class=\"_ _0\"></span>e use<span class=\"_ _0\"></span>d to pay up new s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res al<span class=\"_ _0\"></span>lot<span class=\"_ _0\"></span>ted as ful<span class=\"_ _0\"></span>ly pa<span class=\"_ _0\"></span>id b<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>us sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e cost of t<span class=\"_ _0\"></span>he sh<span class=\"_ _0\"></span>are p<span class=\"_ _0\"></span>urch<span class=\"_ _0\"></span>ase inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>sive of st<span class=\"_ _0\"></span>amp d<span class=\"_ _0\"></span>ut<span class=\"_ _0\"></span>y and b<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>ker fees is d<span class=\"_ _0\"></span>ebi<span class=\"_ _0\"></span>ted to ret<span class=\"_ _1\"></span>aine<span class=\"_ _0\"></span>d earnings.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "fundingcircleholdingsplc:DescriptionOfAccountingPolicyForShareBuybacks",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-356": {
   "value": "Cashback credit card<span class=\"_ _1\"></span> accounting Cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck of<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>d on p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>cts is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up i<span class=\"_ _0\"></span>s con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d to fall u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 15 whe<span class=\"_ _0\"></span>re it is c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly li<span class=\"_ _0\"></span>nked to ca<span class=\"_ _0\"></span>rd sp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>d whe<span class=\"_ _0\"></span>re an i<span class=\"_ _0\"></span>ntercha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e fee is ge<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>ated at the p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of sp<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>. Wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>shb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k reward to th<span class=\"_ _0\"></span>e bo<span class=\"_ _0\"></span>rrower i<span class=\"_ _0\"></span>s cas<span class=\"_ _0\"></span>h set<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r net<span class=\"_ _0\"></span>ted ag<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span>an ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e due f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>stome<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, it i<span class=\"_ _0\"></span>s treated as a r<span class=\"_ _0\"></span>edu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n the tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>ice u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er IFR<span class=\"_ _0\"></span>S 15 and th<span class=\"_ _0\"></span>ere i<span class=\"_ _0\"></span>s no on<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>ing p<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e ob<span class=\"_ _0\"></span>lig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n beyon<span class=\"_ _0\"></span>d the c<span class=\"_ _0\"></span>ard t<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n wi<span class=\"_ _0\"></span>th interc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge fe<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d net of t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>shb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k gra<span class=\"_ _0\"></span>nted. Th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>shb<span class=\"_ _0\"></span>ack rewards p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>mme d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ntly of<span class=\"_ _0\"></span>fer b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers the o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n to exchang<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>eir c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck rewa<span class=\"_ _0\"></span>rd for othe<span class=\"_ _0\"></span>r non<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>sh go<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>s or se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>. Wh<span class=\"_ _0\"></span>ere b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers d<span class=\"_ _0\"></span>o not repay t<span class=\"_ _0\"></span>he fu<span class=\"_ _0\"></span>ll ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce d<span class=\"_ _0\"></span>ue o<span class=\"_ _0\"></span>n the<span class=\"_ _0\"></span>ir c<span class=\"_ _0\"></span>ard a<span class=\"_ _0\"></span>nd ch<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>se to revolve an e<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt of it, intere<span class=\"_ _0\"></span>st in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 9 o<span class=\"_ _0\"></span>n the i<span class=\"_ _0\"></span>nterest c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "fundingcircleholdingsplc:DescriptionOfAccountingPolicyForCashbackCreditCardAccounting",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-357": {
   "value": "Basis of consolidat<span class=\"_ _1\"></span>io<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>as co<span class=\"_ _0\"></span>ntrol over a<span class=\"_ _0\"></span>n investee, i<span class=\"_ _0\"></span>t is cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s a subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y. The Gro<span class=\"_ _0\"></span>up co<span class=\"_ _0\"></span>ntro<span class=\"_ _0\"></span>ls an i<span class=\"_ _0\"></span>nvestee if al<span class=\"_ _0\"></span>l th<span class=\"_ _0\"></span>ree of th<span class=\"_ _0\"></span>e foll<span class=\"_ _0\"></span>owin<span class=\"_ _0\"></span>g el<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>re pres<span class=\"_ _0\"></span>ent: p<span class=\"_ _0\"></span>ower over the i<span class=\"_ _0\"></span>nvestee, expos<span class=\"_ _0\"></span>ure to var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le retu<span class=\"_ _0\"></span>rns f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he investee, an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e investor to us<span class=\"_ _0\"></span>e its p<span class=\"_ _0\"></span>ower to affect t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le retu<span class=\"_ _0\"></span>rns<span class=\"_ _0\"></span>. Co<span class=\"_ _0\"></span>ntro<span class=\"_ _0\"></span>l is reas<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d whe<span class=\"_ _0\"></span>never fa<span class=\"_ _0\"></span>cts an<span class=\"_ _0\"></span>d ci<span class=\"_ _0\"></span>rcu<span class=\"_ _0\"></span>msta<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s in<span class=\"_ _0\"></span>dic<span class=\"_ _0\"></span>ate that th<span class=\"_ _0\"></span>ere may be a c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge i<span class=\"_ _0\"></span>n any of th<span class=\"_ _0\"></span>ese e<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s of cont<span class=\"_ _0\"></span>rol.<span class=\"_ _2d6\"> </span>St<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>cture<span class=\"_ _0\"></span>d enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>at are de<span class=\"_ _0\"></span>sig<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d so that th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties a<span class=\"_ _0\"></span>re not g<span class=\"_ _0\"></span>overn<span class=\"_ _0\"></span>ed by votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts<span class=\"_ _0\"></span>. In as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up has p<span class=\"_ _0\"></span>ower over s<span class=\"_ _0\"></span>uch enti<span class=\"_ _0\"></span>ties<span class=\"_ _0\"></span>, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s facto<span class=\"_ _0\"></span>rs su<span class=\"_ _0\"></span>ch as t<span class=\"_ _0\"></span>he pu<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>ose and d<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gn of th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty, its pra<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>cal a<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y to dire<span class=\"_ _0\"></span>ct the re<span class=\"_ _0\"></span>leva<span class=\"_ _0\"></span>nt acti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>ies of th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty, the nature of t<span class=\"_ _0\"></span>he rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>nsh<span class=\"_ _0\"></span>ip wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e size of its exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to the var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of retur<span class=\"_ _0\"></span>ns of th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty.<span class=\"_ _2d6\"> </span>The c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt the re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>ts of the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pany a<span class=\"_ _0\"></span>nd it<span class=\"_ _0\"></span>s subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>s if th<span class=\"_ _0\"></span>ey forme<span class=\"_ _0\"></span>d a single ent<span class=\"_ _1\"></span>it<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. In<span class=\"_ _1\"></span>tercompan<span class=\"_ _1\"></span>y transactions<span class=\"_ _1\"></span> and balances bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n Gro<span class=\"_ _0\"></span>up c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re the<span class=\"_ _0\"></span>refore el<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>inated i<span class=\"_ _0\"></span>n fu<span class=\"_ _0\"></span>ll.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ies t<span class=\"_ _0\"></span>he ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n meth<span class=\"_ _0\"></span>od to ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt for bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>bin<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns. I<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce she<span class=\"_ _0\"></span>et, th<span class=\"_ _0\"></span>e ac<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>\u2019s id<span class=\"_ _0\"></span>entif<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets, l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d cont<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gent l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es are i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d at the<span class=\"_ _0\"></span>ir fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>es at th<span class=\"_ _0\"></span>e ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n date. Acq<span class=\"_ _0\"></span>uis<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-re<span class=\"_ _0\"></span>lated co<span class=\"_ _0\"></span>sts are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s as i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>e resu<span class=\"_ _0\"></span>lts of acq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated statem<span class=\"_ _0\"></span>ent of co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rehe<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e from t<span class=\"_ _0\"></span>he date on whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l is obt<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed. T<span class=\"_ _0\"></span>hey are d<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated f<span class=\"_ _0\"></span>rom the d<span class=\"_ _0\"></span>ate on whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l cea<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-407": {
   "value": "Wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>as co<span class=\"_ _0\"></span>ntrol over a<span class=\"_ _0\"></span>n investee, i<span class=\"_ _0\"></span>t is cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s a subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y. The Gro<span class=\"_ _0\"></span>up co<span class=\"_ _0\"></span>ntro<span class=\"_ _0\"></span>ls an i<span class=\"_ _0\"></span>nvestee if al<span class=\"_ _0\"></span>l th<span class=\"_ _0\"></span>ree of th<span class=\"_ _0\"></span>e foll<span class=\"_ _0\"></span>owin<span class=\"_ _0\"></span>g el<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>re pres<span class=\"_ _0\"></span>ent: p<span class=\"_ _0\"></span>ower over the i<span class=\"_ _0\"></span>nvestee, expos<span class=\"_ _0\"></span>ure to var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le retu<span class=\"_ _0\"></span>rns f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he investee, an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e investor to us<span class=\"_ _0\"></span>e its p<span class=\"_ _0\"></span>ower to affect t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le retu<span class=\"_ _0\"></span>rns<span class=\"_ _0\"></span>. Co<span class=\"_ _0\"></span>ntro<span class=\"_ _0\"></span>l is reas<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d whe<span class=\"_ _0\"></span>never fa<span class=\"_ _0\"></span>cts an<span class=\"_ _0\"></span>d ci<span class=\"_ _0\"></span>rcu<span class=\"_ _0\"></span>msta<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s in<span class=\"_ _0\"></span>dic<span class=\"_ _0\"></span>ate that th<span class=\"_ _0\"></span>ere may be a c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge i<span class=\"_ _0\"></span>n any of th<span class=\"_ _0\"></span>ese e<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s of cont<span class=\"_ _0\"></span>rol.<span class=\"_ _2d6\"> </span>St<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>cture<span class=\"_ _0\"></span>d enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>at are de<span class=\"_ _0\"></span>sig<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d so that th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties a<span class=\"_ _0\"></span>re not g<span class=\"_ _0\"></span>overn<span class=\"_ _0\"></span>ed by votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts<span class=\"_ _0\"></span>. In as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up has p<span class=\"_ _0\"></span>ower over s<span class=\"_ _0\"></span>uch enti<span class=\"_ _0\"></span>ties<span class=\"_ _0\"></span>, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s facto<span class=\"_ _0\"></span>rs su<span class=\"_ _0\"></span>ch as t<span class=\"_ _0\"></span>he pu<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>ose and d<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gn of th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty, its pra<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>cal a<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y to dire<span class=\"_ _0\"></span>ct the re<span class=\"_ _0\"></span>leva<span class=\"_ _0\"></span>nt acti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>ies of th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty, the nature of t<span class=\"_ _0\"></span>he rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>nsh<span class=\"_ _0\"></span>ip wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e size of its exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to the var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of retur<span class=\"_ _0\"></span>ns of th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty.<span class=\"_ _2d6\"> </span>The c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt the re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>ts of the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pany a<span class=\"_ _0\"></span>nd it<span class=\"_ _0\"></span>s subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>s if th<span class=\"_ _0\"></span>ey forme<span class=\"_ _0\"></span>d a single ent<span class=\"_ _1\"></span>it<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. In<span class=\"_ _1\"></span>tercompan<span class=\"_ _1\"></span>y transactions<span class=\"_ _1\"></span> and balances bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n Gro<span class=\"_ _0\"></span>up c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re the<span class=\"_ _0\"></span>refore el<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>inated i<span class=\"_ _0\"></span>n fu<span class=\"_ _0\"></span>ll.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-457": {
   "value": "The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ies t<span class=\"_ _0\"></span>he ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n meth<span class=\"_ _0\"></span>od to ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt for bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>bin<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns. I<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce she<span class=\"_ _0\"></span>et, th<span class=\"_ _0\"></span>e ac<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>\u2019s id<span class=\"_ _0\"></span>entif<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets, l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d cont<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gent l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es are i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d at the<span class=\"_ _0\"></span>ir fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>es at th<span class=\"_ _0\"></span>e ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n date. Acq<span class=\"_ _0\"></span>uis<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-re<span class=\"_ _0\"></span>lated co<span class=\"_ _0\"></span>sts are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s as i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>e resu<span class=\"_ _0\"></span>lts of acq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated statem<span class=\"_ _0\"></span>ent of co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rehe<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e from t<span class=\"_ _0\"></span>he date on whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l is obt<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed. T<span class=\"_ _0\"></span>hey are d<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated f<span class=\"_ _0\"></span>rom the d<span class=\"_ _0\"></span>ate on whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l cea<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-439": {
   "value": "The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ies t<span class=\"_ _0\"></span>he ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n meth<span class=\"_ _0\"></span>od to ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt for bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>bin<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns. I<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce she<span class=\"_ _0\"></span>et, th<span class=\"_ _0\"></span>e ac<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>\u2019s id<span class=\"_ _0\"></span>entif<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets, l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d cont<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gent l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es are i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d at the<span class=\"_ _0\"></span>ir fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>es at th<span class=\"_ _0\"></span>e ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n date. Acq<span class=\"_ _0\"></span>uis<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-re<span class=\"_ _0\"></span>lated co<span class=\"_ _0\"></span>sts are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s as i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>e resu<span class=\"_ _0\"></span>lts of acq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated statem<span class=\"_ _0\"></span>ent of co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rehe<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e from t<span class=\"_ _0\"></span>he date on whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l is obt<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed. T<span class=\"_ _0\"></span>hey are d<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated f<span class=\"_ _0\"></span>rom the d<span class=\"_ _0\"></span>ate on whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l cea<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-358": {
   "value": "Foreign<span class=\"_ _1\"></span> currency<span class=\"_ _1\"></span> translation<span class=\"_ _2d6\"> </span>T<span class=\"_ _1\"></span>rans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns entere<span class=\"_ _0\"></span>d into by Gro<span class=\"_ _0\"></span>up ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es in a c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>renc<span class=\"_ _0\"></span>y othe<span class=\"_ _0\"></span>r tha<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy of the p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>mar<span class=\"_ _2\"></span>y econ<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>ic envi<span class=\"_ _0\"></span>ron<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span>in wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h they o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rate (thei<span class=\"_ _0\"></span>r \u201c<span class=\"_ _0\"></span>fun<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) ar<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>orde<span class=\"_ _0\"></span>d at th<span class=\"_ _0\"></span>e rates ru<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s occ<span class=\"_ _0\"></span>ur. Forei<span class=\"_ _0\"></span>gn c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rency m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>etar<span class=\"_ _2\"></span>y assets a<span class=\"_ _0\"></span>nd li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are tra<span class=\"_ _0\"></span>nsl<span class=\"_ _0\"></span>ated at th<span class=\"_ _0\"></span>e prevai<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng rate at th<span class=\"_ _0\"></span>e repo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date. Exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>n the ret<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nsl<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of uns<span class=\"_ _0\"></span>ett<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d mon<span class=\"_ _0\"></span>etar<span class=\"_ _2\"></span>y assets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed im<span class=\"_ _0\"></span>med<span class=\"_ _0\"></span>iately i<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss.<span class=\"_ _2d6\"> </span>On d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>osa<span class=\"_ _0\"></span>l of a forei<span class=\"_ _0\"></span>gn o<span class=\"_ _0\"></span>per<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n, th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>mul<span class=\"_ _0\"></span>ative exchan<span class=\"_ _0\"></span>ge di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e foreig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve rel<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g to that op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n up to the d<span class=\"_ _0\"></span>ate of dis<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>al a<span class=\"_ _0\"></span>re tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red to th<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated statem<span class=\"_ _0\"></span>ent of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsive i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me a<span class=\"_ _0\"></span>s par<span class=\"_ _0\"></span>t of t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t or l<span class=\"_ _0\"></span>oss on disposal.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-359": {
   "value": "Presen<span class=\"_ _1\"></span>tation c<span class=\"_ _1\"></span>urrency<span class=\"_ _2d6\"> </span>The<span class=\"_ _0\"></span>se co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts are p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted in GB<span class=\"_ _0\"></span>P ster<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng, wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h is th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s pres<span class=\"_ _0\"></span>entati<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rency.<span class=\"_ _2d6\"> </span>Al<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies of over<span class=\"_ _0\"></span>seas o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>, inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng go<span class=\"_ _0\"></span>odw<span class=\"_ _0\"></span>ill a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g on t<span class=\"_ _0\"></span>he ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of tho<span class=\"_ _0\"></span>se op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns, are tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lated at t<span class=\"_ _0\"></span>he preva<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ing r<span class=\"_ _0\"></span>ate at the rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting date. Inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d expen<span class=\"_ _0\"></span>se item<span class=\"_ _0\"></span>s are tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lated at t<span class=\"_ _0\"></span>he avera<span class=\"_ _0\"></span>ge exchan<span class=\"_ _0\"></span>ge rates for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, un<span class=\"_ _0\"></span>les<span class=\"_ _0\"></span>s exchan<span class=\"_ _0\"></span>ge r<span class=\"_ _0\"></span>ates fl<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>ate sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>antl<span class=\"_ _0\"></span>y dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g that yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, in w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h ca<span class=\"_ _0\"></span>se the excha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e rates at th<span class=\"_ _0\"></span>e date of tran<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>ns ar<span class=\"_ _0\"></span>e use<span class=\"_ _0\"></span>d. Exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r comprehensi<span class=\"_ _1\"></span>ve income<span class=\"_ _1\"></span> and accumulat<span class=\"_ _1\"></span>ed in equity<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span>Go<span class=\"_ _0\"></span>odw<span class=\"_ _0\"></span>ill a<span class=\"_ _0\"></span>nd fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e adj<span class=\"_ _0\"></span>ustm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g on t<span class=\"_ _0\"></span>he acq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ion of a fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n enti<span class=\"_ _0\"></span>ty a<span class=\"_ _0\"></span>re treated a<span class=\"_ _0\"></span>s ass<span class=\"_ _0\"></span>ets and l<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es of th<span class=\"_ _0\"></span>e forei<span class=\"_ _0\"></span>gn ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d tra<span class=\"_ _0\"></span>nsl<span class=\"_ _0\"></span>ated at the p<span class=\"_ _0\"></span>revail<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g rate at the re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-360": {
   "value": "Segment<span class=\"_ _1\"></span> repor<span class=\"_ _0\"></span>ting<span class=\"_ _2d6\"> </span>Operating<span class=\"_ _1\"></span> segments ar<span class=\"_ _1\"></span>e reported in<span class=\"_ _1\"></span> the manner con<span class=\"_ _1\"></span>sisten<span class=\"_ _1\"></span>t wit<span class=\"_ _0\"></span>h the i<span class=\"_ _0\"></span>ntern<span class=\"_ _0\"></span>al rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting p<span class=\"_ _0\"></span>rovide<span class=\"_ _0\"></span>d to the c<span class=\"_ _0\"></span>hief o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng dec<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on m<span class=\"_ _0\"></span>aker (<span class=\"_ _0\"></span>\u201cC<span class=\"_ _0\"></span>OD<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>\u201d). The C<span class=\"_ _0\"></span>OD<span class=\"_ _0\"></span>M, wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h is th<span class=\"_ _0\"></span>e fun<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span> resp<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le for a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g reso<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e of the o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>ments<span class=\"_ _0\"></span>, has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as th<span class=\"_ _0\"></span>e Exec<span class=\"_ _0\"></span>uti<span class=\"_ _0\"></span>ve Co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>ttee (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>xCo<span class=\"_ _0\"></span>\u201d), form<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ly kn<span class=\"_ _0\"></span>own as th<span class=\"_ _0\"></span>e Gl<span class=\"_ _0\"></span>ob<span class=\"_ _0\"></span>al Lead<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>shi<span class=\"_ _0\"></span>p T<span class=\"_ _1\"></span>eam (<span class=\"_ _0\"></span>\u201cG<span class=\"_ _0\"></span>L<span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>\u201d), that makes s<span class=\"_ _0\"></span>trateg<span class=\"_ _0\"></span>ic de<span class=\"_ _0\"></span>cis<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns. Fo<span class=\"_ _0\"></span>r eac<span class=\"_ _0\"></span>h id<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>per<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng seg<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt, the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s disc<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n for th<span class=\"_ _0\"></span>e key pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>dic<span class=\"_ _0\"></span>ators t<span class=\"_ _0\"></span>hat are a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d inter<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly to review a<span class=\"_ _0\"></span>nd stee<span class=\"_ _0\"></span>r pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce in t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>trateg<span class=\"_ _0\"></span>ic R<span class=\"_ _0\"></span>epo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span>T<span class=\"_ _1\"></span>rans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n se<span class=\"_ _0\"></span>gm<span class=\"_ _0\"></span>ents are o<span class=\"_ _0\"></span>n an a<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>\u2019s le<span class=\"_ _0\"></span>ngt<span class=\"_ _0\"></span>h bas<span class=\"_ _0\"></span>is in a m<span class=\"_ _0\"></span>ann<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r to tran<span class=\"_ _0\"></span>sac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns wi<span class=\"_ _0\"></span>th third par<span class=\"_ _0\"></span>ties.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-361": {
   "value": "Excep<span class=\"_ _1\"></span>tional it<span class=\"_ _1\"></span>ems<span class=\"_ _2d6\"> </span>Exce<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l items a<span class=\"_ _0\"></span>re the i<span class=\"_ _0\"></span>tems of in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me or exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e that th<span class=\"_ _0\"></span>e G<span class=\"_ _0\"></span>roup c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ers a<span class=\"_ _0\"></span>re mater<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>, one<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>of<span class=\"_ _0\"></span>f in natu<span class=\"_ _0\"></span>re and of s<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>h sig<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nce t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>ey mer<span class=\"_ _0\"></span>it se<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>rate pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>ion i<span class=\"_ _0\"></span>n ord<span class=\"_ _0\"></span>er to ai<span class=\"_ _0\"></span>d the re<span class=\"_ _0\"></span>ade<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>\u2019s u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>rst<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial p<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e. Su<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>tems wou<span class=\"_ _0\"></span>ld inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>ts or l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>n disp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>al of bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>ses, transaction<span class=\"_ _1\"></span> costs, acquisi<span class=\"_ _1\"></span>tions and disposals<span class=\"_ _1\"></span>, major rest<span class=\"_ _1\"></span>ructuring programmes<span class=\"_ _1\"></span>, significant<span class=\"_ _1\"></span> goo<span class=\"_ _0\"></span>dwill<span class=\"_ _1\"></span> or other asset<span class=\"_ _1\"></span> impai<span class=\"_ _0\"></span>rments,<span class=\"_ _1\"></span> and other particularly significant or unusual i<span class=\"_ _1\"></span>tems.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExceptionalItemsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-362": {
   "value": "Income recognition<span class=\"_ _2d6\"> </span>Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in l<span class=\"_ _0\"></span>ine w<span class=\"_ _0\"></span>ith I<span class=\"_ _0\"></span>FRS 15 wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h provi<span class=\"_ _0\"></span>des<span class=\"_ _0\"></span> a sin<span class=\"_ _0\"></span>gl<span class=\"_ _0\"></span>e, pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s-b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d fi<span class=\"_ _0\"></span>ve-s<span class=\"_ _0\"></span>tep mo<span class=\"_ _0\"></span>del to b<span class=\"_ _0\"></span>e app<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed to all c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>acts w<span class=\"_ _0\"></span>ith c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s:<span class=\"_ _2d6\"> </span>1) <span class=\"_ _f\"> </span>ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>y th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ct wit<span class=\"_ _0\"></span>h the c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>; 2) <span class=\"_ _14\"> </span>ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>y t<span class=\"_ _0\"></span>he pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>ons i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>t; 3) <span class=\"_ _14\"> </span>determi<span class=\"_ _0\"></span>ne t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce; 4) <span class=\"_ _14\"> </span> <span class=\"_ _18\"></span>al<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>cate th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce to the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns in t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>acts<span class=\"_ _0\"></span>, on a re<span class=\"_ _0\"></span>lative st<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>d-a<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ne sel<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce bas<span class=\"_ _0\"></span>is; an<span class=\"_ _0\"></span>d 5) <span class=\"_ _14\"> </span> <span class=\"_ _a\"></span>rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e whe<span class=\"_ _0\"></span>n (or as) the ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y sati<span class=\"_ _0\"></span>sf<span class=\"_ _0\"></span>ies its performance obliga<span class=\"_ _1\"></span>tion.<span class=\"_ _2d6\"> </span>Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed for t<span class=\"_ _0\"></span>he ar<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent of lo<span class=\"_ _0\"></span>ans i<span class=\"_ _0\"></span>s cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s <span class=\"ff5 lsc wsb\">transaction fees<span class=\"_ _1\"></span><span class=\"ff4 ls2 ws2\">. T<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ct si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ed by </span></span>the b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>lated ter<span class=\"_ _0\"></span>ms are c<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>arl<span class=\"_ _0\"></span>y id<span class=\"_ _0\"></span>entif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e. The p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ct is co<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to be th<span class=\"_ _0\"></span>e fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g of the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m and the t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e is cl<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>ly s<span class=\"_ _0\"></span>tated in t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower<span class=\"_ _0\"></span>\u2019s cont<span class=\"_ _1\"></span>ract. F<span class=\"_ _1\"></span>ees are<span class=\"_ _1\"></span> recognised<span class=\"_ _1\"></span> immediat<span class=\"_ _1\"></span>ely once<span class=\"_ _1\"></span> loans are fu<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y fun<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d and af<span class=\"_ _0\"></span>ter t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>re ac<span class=\"_ _0\"></span>cepte<span class=\"_ _0\"></span>d by the bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>rs. At th<span class=\"_ _0\"></span>is p<span class=\"_ _0\"></span>oint t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>igat<span class=\"_ _0\"></span>ion h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>et, the<span class=\"_ _0\"></span>re are n<span class=\"_ _0\"></span>o clawb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e fee is r<span class=\"_ _1\"></span>ecognised.<span class=\"_ _1\"></span> Such fee<span class=\"_ _1\"></span>s are<span class=\"_ _1\"></span> automa<span class=\"_ _1\"></span>tically d<span class=\"_ _1\"></span>educted<span class=\"_ _1\"></span> from the a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>d. Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed f<span class=\"_ _0\"></span>rom refer<span class=\"_ _0\"></span>ral<span class=\"_ _0\"></span>s to par<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ner i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>itut<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s is cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as<span class=\"ff5 lsc wsb\"> transaction fees.</span> There are c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>s in pl<span class=\"_ _0\"></span>ace w<span class=\"_ _0\"></span>ith p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ner i<span class=\"_ _0\"></span>nsti<span class=\"_ _0\"></span>tuti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s with c<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ly id<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e terms<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e per<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>on in t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>ed to be th<span class=\"_ _0\"></span>e referr<span class=\"_ _0\"></span>al by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nt fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g of the refer<span class=\"_ _0\"></span>red l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n by the p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>tn<span class=\"_ _0\"></span>er ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n and t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>ice i<span class=\"_ _0\"></span>s cl<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>ly st<span class=\"_ _0\"></span>ated in the refer<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>l ag<span class=\"_ _0\"></span>reem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>. Fees a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>nce t<span class=\"_ _0\"></span>he referre<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>an ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en fu<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d by the p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ner i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>itut<span class=\"_ _0\"></span>ion and a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>epted by th<span class=\"_ _0\"></span>e referre<span class=\"_ _0\"></span>d bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. At thi<span class=\"_ _0\"></span>s po<span class=\"_ _0\"></span>int, th<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gatio<span class=\"_ _0\"></span>n has b<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en met a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>here a<span class=\"_ _0\"></span>re no significant claw<span class=\"_ _1\"></span>back provisions.<span class=\"_ _1\"></span> Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed f<span class=\"_ _0\"></span>rom se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>cin<span class=\"_ _0\"></span>g th<span class=\"_ _0\"></span>ird pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y lo<span class=\"_ _0\"></span>ans is cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s <span class=\"ff5 ls3d ws3e\">servic<span class=\"_ _0\"></span>ing fees<span class=\"_ _1\"></span><span class=\"ff4 ls2 ws2\"> a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>s a cost of t<span class=\"_ _0\"></span>he investo<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, </span></span>except in t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>se of th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>rst yea<span class=\"_ _0\"></span>r of se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g fees rel<span class=\"_ _0\"></span>ated to CBI<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>, whe<span class=\"_ _0\"></span>re the g<span class=\"_ _0\"></span>overn<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt pai<span class=\"_ _0\"></span>d the c<span class=\"_ _0\"></span>ost. I<span class=\"_ _0\"></span>t co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>es an a<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>ual<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d fee re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ng a pe<span class=\"_ _0\"></span>rcent<span class=\"_ _0\"></span>age of o<span class=\"_ _0\"></span>uts<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>cip<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al bas<span class=\"_ _0\"></span>is for th<span class=\"_ _0\"></span>e ser<span class=\"_ _2\"></span>vici<span class=\"_ _0\"></span>ng fee an<span class=\"_ _0\"></span>d tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce is b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on th<span class=\"_ _0\"></span>e term<span class=\"_ _0\"></span>s and c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>d by investors to th<span class=\"_ _0\"></span>e lending platf<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>m. The performance o<span class=\"_ _1\"></span>b<span class=\"_ _0\"></span>ligation i<span class=\"_ _1\"></span>s ser<span class=\"_ _0\"></span>vicing the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d al<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>ng re<span class=\"_ _0\"></span>payme<span class=\"_ _0\"></span>nts of th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>n pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ts to the re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ecti<span class=\"_ _0\"></span>ve len<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rs. T<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>ice i<span class=\"_ _0\"></span>s al<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>cated as a pe<span class=\"_ _0\"></span>rce<span class=\"_ _0\"></span>ntag<span class=\"_ _0\"></span>e of the o<span class=\"_ _0\"></span>utst<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>al ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce, represen<span class=\"_ _1\"></span>ting the outst<span class=\"_ _1\"></span>an<span class=\"_ _0\"></span>ding performance obligat<span class=\"_ _1\"></span>ion<span class=\"_ _0\"></span>. Fees a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n a mont<span class=\"_ _0\"></span>hly b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s up<span class=\"_ _0\"></span>on re<span class=\"_ _0\"></span>payme<span class=\"_ _0\"></span>nt of loa<span class=\"_ _0\"></span>n pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ts. D<span class=\"_ _0\"></span>ue to th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns of th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>ns, t<span class=\"_ _0\"></span>here are no p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>eted cont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>ts at th<span class=\"_ _0\"></span>e bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce sh<span class=\"_ _0\"></span>eet date and n<span class=\"_ _0\"></span>o adva<span class=\"_ _0\"></span>nce p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts fro<span class=\"_ _0\"></span>m cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs.<span class=\"_ _2d6\"> </span>Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>ntercha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e fees fro<span class=\"_ _0\"></span>m Flexi<span class=\"_ _0\"></span>Pay ca<span class=\"_ _0\"></span>rd an<span class=\"_ _0\"></span>d Cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ca<span class=\"_ _0\"></span>rd is c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as a <span class=\"ff5 lsc wsb\">transaction fee<span class=\"_ _1\"></span><span class=\"ff4 ls2 ws2\">. Fo<span class=\"_ _0\"></span>rei<span class=\"_ _0\"></span>gn excha<span class=\"_ _0\"></span>nge fe<span class=\"_ _0\"></span>es ear<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d fro<span class=\"_ _0\"></span>m </span></span>Flexi<span class=\"_ _0\"></span>Pay ca<span class=\"_ _0\"></span>rd are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as <span class=\"ff5 lsa ws9\">other fee<span class=\"_ _1\"></span>s<span class=\"ff4 ls2 ws2\"> an<span class=\"_ _0\"></span>d are a c<span class=\"_ _0\"></span>ost </span></span>to the Fl<span class=\"_ _0\"></span>exiPay ca<span class=\"_ _0\"></span>rd b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower<span class=\"_ _1\"></span>. A c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act i<span class=\"_ _0\"></span>s in p<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>h the c<span class=\"_ _0\"></span>ard p<span class=\"_ _0\"></span>rovid<span class=\"_ _0\"></span>er wh<span class=\"_ _0\"></span>o rem<span class=\"_ _0\"></span>its th<span class=\"_ _0\"></span>e fee revenu<span class=\"_ _0\"></span>es to the Gro<span class=\"_ _0\"></span>up. C<span class=\"_ _0\"></span>ard fees a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>ately at th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>int of tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on as at t<span class=\"_ _0\"></span>his p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>igat<span class=\"_ _0\"></span>ion<span class=\"_ _2d6\"> </span>has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n met. B<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower<span class=\"_ _0\"></span>s usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r ca<span class=\"_ _0\"></span>rd wil<span class=\"_ _0\"></span>l \u201c<span class=\"_ _0\"></span>fl<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>\u201d th<span class=\"_ _0\"></span>e bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce into a Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>oan re<span class=\"_ _0\"></span>payab<span class=\"_ _0\"></span>le over th<span class=\"_ _0\"></span>ree m<span class=\"_ _0\"></span>onth<span class=\"_ _0\"></span>s and fo<span class=\"_ _0\"></span>r a fee. Th<span class=\"_ _0\"></span>e fee in<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>red by b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers w<span class=\"_ _0\"></span>ho f<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>p the ca<span class=\"_ _0\"></span>rd ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce i<span class=\"_ _0\"></span>nto a loan i<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r IFRS 9 f<span class=\"_ _0\"></span>rom the p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of the f<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>p over the l<span class=\"_ _0\"></span>ife of the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he effe<span class=\"_ _0\"></span>ctive i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate metho<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r int<span class=\"_ _1\"></span>erest inco<span class=\"_ _1\"></span>me<span class=\"ff4 ls2 ws2\">.<span class=\"_ _2d6\"> </span></span>Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r fee<span class=\"_ _0\"></span>s <span class=\"ff4 lsa ws9\">includes<span class=\"_ _1\"></span> income fr<span class=\"_ _1\"></span>om collection<span class=\"_ _1\"></span>s charges<span class=\"_ _1\"></span> </span>levi<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>ucc<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sful r<span class=\"_ _0\"></span>ecover<span class=\"_ _0\"></span>y of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>ted lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se are re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>re per<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gatio<span class=\"_ _0\"></span>ns a<span class=\"_ _0\"></span>re met. I<span class=\"_ _0\"></span>t als<span class=\"_ _0\"></span>o in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>s pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>-re<span class=\"_ _0\"></span>lated fees re<span class=\"_ _0\"></span>lated to th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d by cer<span class=\"_ _0\"></span>tain institutional invest<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span>.<span class=\"_ _2d6\"> </span>Net in<span class=\"_ _1\"></span>come includes the<span class=\"_ _1\"></span> following<span class=\"_ _1\"></span> elements under<span class=\"_ _1\"></span> whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a of IFR<span class=\"_ _0\"></span>S 9 and n<span class=\"_ _0\"></span>ot IFR<span class=\"_ _0\"></span>S 15 are applied<span class=\"_ _1\"></span>:<span class=\"_ _2d6\"> </span>Interest<span class=\"_ _1\"></span> in<span class=\"_ _0\"></span>come inclu<span class=\"_ _0\"></span>des: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d on as<span class=\"_ _0\"></span>sets h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed </span></span>cost u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>e ef<span class=\"_ _0\"></span>fective i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate metho<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng fees i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d on Fl<span class=\"_ _0\"></span>exiPay dr<span class=\"_ _0\"></span>awdowns a<span class=\"_ _0\"></span>nd Fl<span class=\"_ _0\"></span>exiPay c<span class=\"_ _0\"></span>ard \u201c<span class=\"_ _0\"></span>fl<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>\u201d ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>, and i<span class=\"_ _0\"></span>nterest c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d on C<span class=\"_ _0\"></span>ashb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>ard d<span class=\"_ _0\"></span>rawn b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d interes<span class=\"_ _0\"></span>t inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on cor<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rate ca<span class=\"_ _0\"></span>sh a<span class=\"_ _0\"></span>nd cl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>nt mon<span class=\"_ _0\"></span>ies h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d. It a<span class=\"_ _0\"></span>lso i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>des interes<span class=\"_ _0\"></span>t inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey mar<span class=\"_ _0\"></span>ket funds h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh pr<span class=\"_ _0\"></span>ofit a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span> income includes: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me f<span class=\"_ _0\"></span>rom S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d investm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n </span></span>tru<span class=\"_ _0\"></span>sts th<span class=\"_ _0\"></span>at the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ho<span class=\"_ _0\"></span>lds o<span class=\"_ _0\"></span>n ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et.<span class=\"_ _2d6\"> </span>Fair val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s/l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s/l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es fro<span class=\"_ _0\"></span>m ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n the fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l </span></span>ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d on b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e she<span class=\"_ _0\"></span>et.<span class=\"_ _2d6\"> </span>Cos<span class=\"_ _0\"></span>t of fun<span class=\"_ _0\"></span>ds in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>nterest p<span class=\"_ _0\"></span>ayabl<span class=\"_ _0\"></span>e on fu<span class=\"_ _0\"></span>nds b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowed to f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e the </span></span>iss<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ng of li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it.<span class=\"_ _2d6\"> </span>Net i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>rded i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al state<span class=\"_ _0\"></span>ments i<span class=\"_ _0\"></span>s ge<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>ated in t<span class=\"_ _0\"></span>he UK<span class=\"_ _0\"></span>, Ge<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>any an<span class=\"_ _0\"></span>d the N<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ds. A<span class=\"_ _0\"></span>ll fees are r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the a<span class=\"_ _0\"></span>bove income<span class=\"_ _1\"></span> recognition<span class=\"_ _1\"></span> policy<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-408": {
   "value": "Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in l<span class=\"_ _0\"></span>ine w<span class=\"_ _0\"></span>ith I<span class=\"_ _0\"></span>FRS 15 wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h provi<span class=\"_ _0\"></span>des<span class=\"_ _0\"></span> a sin<span class=\"_ _0\"></span>gl<span class=\"_ _0\"></span>e, pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s-b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d fi<span class=\"_ _0\"></span>ve-s<span class=\"_ _0\"></span>tep mo<span class=\"_ _0\"></span>del to b<span class=\"_ _0\"></span>e app<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed to all c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>acts w<span class=\"_ _0\"></span>ith c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s:<span class=\"_ _2d6\"> </span>1) <span class=\"_ _f\"> </span>ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>y th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ct wit<span class=\"_ _0\"></span>h the c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>; 2) <span class=\"_ _14\"> </span>ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>y t<span class=\"_ _0\"></span>he pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>ons i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>t; 3) <span class=\"_ _14\"> </span>determi<span class=\"_ _0\"></span>ne t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce; 4) <span class=\"_ _14\"> </span> <span class=\"_ _18\"></span>al<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>cate th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce to the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns in t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>acts<span class=\"_ _0\"></span>, on a re<span class=\"_ _0\"></span>lative st<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>d-a<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ne sel<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce bas<span class=\"_ _0\"></span>is; an<span class=\"_ _0\"></span>d 5) <span class=\"_ _14\"> </span> <span class=\"_ _a\"></span>rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e whe<span class=\"_ _0\"></span>n (or as) the ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y sati<span class=\"_ _0\"></span>sf<span class=\"_ _0\"></span>ies its performance obliga<span class=\"_ _1\"></span>tion.<span class=\"_ _2d6\"> </span>Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed for t<span class=\"_ _0\"></span>he ar<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent of lo<span class=\"_ _0\"></span>ans i<span class=\"_ _0\"></span>s cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s <span class=\"ff5 lsc wsb\">transaction fees<span class=\"_ _1\"></span><span class=\"ff4 ls2 ws2\">. T<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ct si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ed by </span></span>the b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>lated ter<span class=\"_ _0\"></span>ms are c<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>arl<span class=\"_ _0\"></span>y id<span class=\"_ _0\"></span>entif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e. The p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ct is co<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to be th<span class=\"_ _0\"></span>e fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g of the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m and the t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e is cl<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>ly s<span class=\"_ _0\"></span>tated in t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower<span class=\"_ _0\"></span>\u2019s cont<span class=\"_ _1\"></span>ract. F<span class=\"_ _1\"></span>ees are<span class=\"_ _1\"></span> recognised<span class=\"_ _1\"></span> immediat<span class=\"_ _1\"></span>ely once<span class=\"_ _1\"></span> loans are fu<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y fun<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d and af<span class=\"_ _0\"></span>ter t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>re ac<span class=\"_ _0\"></span>cepte<span class=\"_ _0\"></span>d by the bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>rs. At th<span class=\"_ _0\"></span>is p<span class=\"_ _0\"></span>oint t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>igat<span class=\"_ _0\"></span>ion h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>et, the<span class=\"_ _0\"></span>re are n<span class=\"_ _0\"></span>o clawb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e fee is r<span class=\"_ _1\"></span>ecognised.<span class=\"_ _1\"></span> Such fee<span class=\"_ _1\"></span>s are<span class=\"_ _1\"></span> automa<span class=\"_ _1\"></span>tically d<span class=\"_ _1\"></span>educted<span class=\"_ _1\"></span> from the a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>d. Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed f<span class=\"_ _0\"></span>rom refer<span class=\"_ _0\"></span>ral<span class=\"_ _0\"></span>s to par<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ner i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>itut<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s is cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as<span class=\"ff5 lsc wsb\"> transaction fees.</span> There are c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>s in pl<span class=\"_ _0\"></span>ace w<span class=\"_ _0\"></span>ith p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ner i<span class=\"_ _0\"></span>nsti<span class=\"_ _0\"></span>tuti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s with c<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ly id<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e terms<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e per<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>on in t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>ed to be th<span class=\"_ _0\"></span>e referr<span class=\"_ _0\"></span>al by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nt fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g of the refer<span class=\"_ _0\"></span>red l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n by the p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>tn<span class=\"_ _0\"></span>er ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n and t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>ice i<span class=\"_ _0\"></span>s cl<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>ly st<span class=\"_ _0\"></span>ated in the refer<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>l ag<span class=\"_ _0\"></span>reem<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>. Fees a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>nce t<span class=\"_ _0\"></span>he referre<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>an ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en fu<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d by the p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ner i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>itut<span class=\"_ _0\"></span>ion and a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>epted by th<span class=\"_ _0\"></span>e referre<span class=\"_ _0\"></span>d bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. At thi<span class=\"_ _0\"></span>s po<span class=\"_ _0\"></span>int, th<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gatio<span class=\"_ _0\"></span>n has b<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en met a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>here a<span class=\"_ _0\"></span>re no significant claw<span class=\"_ _1\"></span>back provisions.<span class=\"_ _1\"></span> Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed f<span class=\"_ _0\"></span>rom se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>cin<span class=\"_ _0\"></span>g th<span class=\"_ _0\"></span>ird pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y lo<span class=\"_ _0\"></span>ans is cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s <span class=\"ff5 ls3d ws3e\">servic<span class=\"_ _0\"></span>ing fees<span class=\"_ _1\"></span><span class=\"ff4 ls2 ws2\"> a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>s a cost of t<span class=\"_ _0\"></span>he investo<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, </span></span>except in t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>se of th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>rst yea<span class=\"_ _0\"></span>r of se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g fees rel<span class=\"_ _0\"></span>ated to CBI<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>, whe<span class=\"_ _0\"></span>re the g<span class=\"_ _0\"></span>overn<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt pai<span class=\"_ _0\"></span>d the c<span class=\"_ _0\"></span>ost. I<span class=\"_ _0\"></span>t co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>es an a<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>ual<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d fee re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ng a pe<span class=\"_ _0\"></span>rcent<span class=\"_ _0\"></span>age of o<span class=\"_ _0\"></span>uts<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>cip<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al bas<span class=\"_ _0\"></span>is for th<span class=\"_ _0\"></span>e ser<span class=\"_ _2\"></span>vici<span class=\"_ _0\"></span>ng fee an<span class=\"_ _0\"></span>d tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce is b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on th<span class=\"_ _0\"></span>e term<span class=\"_ _0\"></span>s and c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>d by investors to th<span class=\"_ _0\"></span>e lending platf<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>m. The performance o<span class=\"_ _1\"></span>b<span class=\"_ _0\"></span>ligation i<span class=\"_ _1\"></span>s ser<span class=\"_ _0\"></span>vicing the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d al<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>ng re<span class=\"_ _0\"></span>payme<span class=\"_ _0\"></span>nts of th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>n pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ts to the re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ecti<span class=\"_ _0\"></span>ve len<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rs. T<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>ice i<span class=\"_ _0\"></span>s al<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>cated as a pe<span class=\"_ _0\"></span>rce<span class=\"_ _0\"></span>ntag<span class=\"_ _0\"></span>e of the o<span class=\"_ _0\"></span>utst<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>al ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce, represen<span class=\"_ _1\"></span>ting the outst<span class=\"_ _1\"></span>an<span class=\"_ _0\"></span>ding performance obligat<span class=\"_ _1\"></span>ion<span class=\"_ _0\"></span>. Fees a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n a mont<span class=\"_ _0\"></span>hly b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s up<span class=\"_ _0\"></span>on re<span class=\"_ _0\"></span>payme<span class=\"_ _0\"></span>nt of loa<span class=\"_ _0\"></span>n pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ts. D<span class=\"_ _0\"></span>ue to th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns of th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>ns, t<span class=\"_ _0\"></span>here are no p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>eted cont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>ts at th<span class=\"_ _0\"></span>e bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce sh<span class=\"_ _0\"></span>eet date and n<span class=\"_ _0\"></span>o adva<span class=\"_ _0\"></span>nce p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts fro<span class=\"_ _0\"></span>m cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs.<span class=\"_ _2d6\"> </span>Fee i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ed f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>ntercha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e fees fro<span class=\"_ _0\"></span>m Flexi<span class=\"_ _0\"></span>Pay ca<span class=\"_ _0\"></span>rd an<span class=\"_ _0\"></span>d Cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ca<span class=\"_ _0\"></span>rd is c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as a <span class=\"ff5 lsc wsb\">transaction fee<span class=\"_ _1\"></span><span class=\"ff4 ls2 ws2\">. Fo<span class=\"_ _0\"></span>rei<span class=\"_ _0\"></span>gn excha<span class=\"_ _0\"></span>nge fe<span class=\"_ _0\"></span>es ear<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d fro<span class=\"_ _0\"></span>m </span></span>Flexi<span class=\"_ _0\"></span>Pay ca<span class=\"_ _0\"></span>rd are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as <span class=\"ff5 lsa ws9\">other fee<span class=\"_ _1\"></span>s<span class=\"ff4 ls2 ws2\"> an<span class=\"_ _0\"></span>d are a c<span class=\"_ _0\"></span>ost </span></span>to the Fl<span class=\"_ _0\"></span>exiPay ca<span class=\"_ _0\"></span>rd b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower<span class=\"_ _1\"></span>. A c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act i<span class=\"_ _0\"></span>s in p<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>h the c<span class=\"_ _0\"></span>ard p<span class=\"_ _0\"></span>rovid<span class=\"_ _0\"></span>er wh<span class=\"_ _0\"></span>o rem<span class=\"_ _0\"></span>its th<span class=\"_ _0\"></span>e fee revenu<span class=\"_ _0\"></span>es to the Gro<span class=\"_ _0\"></span>up. C<span class=\"_ _0\"></span>ard fees a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>ately at th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>int of tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on as at t<span class=\"_ _0\"></span>his p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>igat<span class=\"_ _0\"></span>ion<span class=\"_ _2d6\"> </span>has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n met. B<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower<span class=\"_ _0\"></span>s usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r ca<span class=\"_ _0\"></span>rd wil<span class=\"_ _0\"></span>l \u201c<span class=\"_ _0\"></span>fl<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>\u201d th<span class=\"_ _0\"></span>e bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce into a Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>oan re<span class=\"_ _0\"></span>payab<span class=\"_ _0\"></span>le over th<span class=\"_ _0\"></span>ree m<span class=\"_ _0\"></span>onth<span class=\"_ _0\"></span>s and fo<span class=\"_ _0\"></span>r a fee. Th<span class=\"_ _0\"></span>e fee in<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>red by b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers w<span class=\"_ _0\"></span>ho f<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>p the ca<span class=\"_ _0\"></span>rd ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce i<span class=\"_ _0\"></span>nto a loan i<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r IFRS 9 f<span class=\"_ _0\"></span>rom the p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of the f<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>p over the l<span class=\"_ _0\"></span>ife of the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he effe<span class=\"_ _0\"></span>ctive i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate metho<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r int<span class=\"_ _1\"></span>erest inco<span class=\"_ _1\"></span>me<span class=\"ff4 ls2 ws2\">.<span class=\"_ _2d6\"> </span></span>Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r fee<span class=\"_ _0\"></span>s <span class=\"ff4 lsa ws9\">includes<span class=\"_ _1\"></span> income fr<span class=\"_ _1\"></span>om collection<span class=\"_ _1\"></span>s charges<span class=\"_ _1\"></span> </span>levi<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>ucc<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sful r<span class=\"_ _0\"></span>ecover<span class=\"_ _0\"></span>y of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>ted lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se are re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>re per<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gatio<span class=\"_ _0\"></span>ns a<span class=\"_ _0\"></span>re met. I<span class=\"_ _0\"></span>t als<span class=\"_ _0\"></span>o in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>s pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>-re<span class=\"_ _0\"></span>lated fees re<span class=\"_ _0\"></span>lated to th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d by cer<span class=\"_ _0\"></span>tain institutional invest<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-409": {
   "value": "<div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs22d\">Net in<span class=\"_ _1\"></span>come includes the<span class=\"_ _1\"></span> following<span class=\"_ _1\"></span> elements under<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs22e\">whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a of IFR<span class=\"_ _0\"></span>S 9 and n<span class=\"_ _0\"></span>ot IFR<span class=\"_ _0\"></span>S 15 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs22f\">are applied<span class=\"_ _1\"></span>:<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs230\">Interest<span class=\"_ _1\"></span> in<span class=\"_ _0\"></span>come inclu<span class=\"_ _0\"></span>des:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs231\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d on as<span class=\"_ _0\"></span>sets h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs232\">cost u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>e ef<span class=\"_ _0\"></span>fective i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate metho<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs233\">fees i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d on Fl<span class=\"_ _0\"></span>exiPay dr<span class=\"_ _0\"></span>awdowns a<span class=\"_ _0\"></span>nd Fl<span class=\"_ _0\"></span>exiPay c<span class=\"_ _0\"></span>ard </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs234\">\u201c<span class=\"_ _0\"></span>fl<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>\u201d ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>, and i<span class=\"_ _0\"></span>nterest c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d on C<span class=\"_ _0\"></span>ashb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs235\">cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>ard d<span class=\"_ _0\"></span>rawn b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d interes<span class=\"_ _0\"></span>t inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs236\">cor<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rate ca<span class=\"_ _0\"></span>sh a<span class=\"_ _0\"></span>nd cl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>nt mon<span class=\"_ _0\"></span>ies h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d. It a<span class=\"_ _0\"></span>lso i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>des </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs237\">interes<span class=\"_ _0\"></span>t inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey mar<span class=\"_ _0\"></span>ket funds h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs238\">valu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh pr<span class=\"_ _0\"></span>ofit a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs239\">Inv<span class=\"_ _1\"></span>estment<span class=\"_ _1\"></span> income includes:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs23a\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me f<span class=\"_ _0\"></span>rom S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d investm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs23b\">tru<span class=\"_ _0\"></span>sts th<span class=\"_ _0\"></span>at the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ho<span class=\"_ _0\"></span>lds o<span class=\"_ _0\"></span>n ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs23c\">Fair val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s/l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs23d\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s/l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es fro<span class=\"_ _0\"></span>m ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n the fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs23e\">ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d on b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e she<span class=\"_ _0\"></span>et.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs23f\">Cos<span class=\"_ _0\"></span>t of fun<span class=\"_ _0\"></span>ds in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs240\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>nterest p<span class=\"_ _0\"></span>ayabl<span class=\"_ _0\"></span>e on fu<span class=\"_ _0\"></span>nds b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowed to f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e the </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs241\">iss<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ng of li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs242\">Net i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>rded i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al state<span class=\"_ _0\"></span>ments i<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs243\">ge<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>ated in t<span class=\"_ _0\"></span>he UK<span class=\"_ _0\"></span>, Ge<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>any an<span class=\"_ _0\"></span>d the N<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ds. A<span class=\"_ _0\"></span>ll </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gsb9\">fees are r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the a<span class=\"_ _0\"></span>bove </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gsba\">income<span class=\"_ _1\"></span> recognition<span class=\"_ _1\"></span> policy<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-363": {
   "value": "<div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3e ws3f gs245\">Administrativ<span class=\"_ _1\"></span>e expenses<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs246\">Admi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>strat<span class=\"_ _0\"></span>ive expe<span class=\"_ _0\"></span>nses a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed as a<span class=\"_ _0\"></span>n expen<span class=\"_ _0\"></span>se in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs247\">the s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nt of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsive i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>n the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs248\">whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>ey are i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d on a<span class=\"_ _0\"></span>n acc<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>s bas<span class=\"_ _0\"></span>is.<span class=\"_ _2d6\"> </span></div>",
   "dimensions": {
    "concept": "fundingcircleholdingsplc:DescriptionOfAccountingPolicyForAdministrativeExpenses",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-365": {
   "value": "<div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3e ws3f gs24a\">Share-based payment<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs24b\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ates a numb<span class=\"_ _0\"></span>er of e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y-set<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs24c\">share-based<span class=\"_ _1\"></span> compensation plan<span class=\"_ _1\"></span>s, under wh<span class=\"_ _1\"></span>ich the Group<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs24d\">rec<span class=\"_ _0\"></span>eives s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces f<span class=\"_ _0\"></span>rom e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyees a<span class=\"_ _0\"></span>s con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs24e\">eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents (opti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s) of the Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _1\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs24f\">The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>mpl<span class=\"_ _0\"></span>oyee se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>ved in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs250\">exchan<span class=\"_ _0\"></span>ge for th<span class=\"_ _0\"></span>e gr<span class=\"_ _0\"></span>ant of th<span class=\"_ _0\"></span>e opti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s is<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs252\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>n expen<span class=\"_ _0\"></span>se. Th<span class=\"_ _0\"></span>e total am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt to be expen<span class=\"_ _0\"></span>sed<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs253\">is deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned by refere<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e to the fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of<span class=\"_ _2d6\"> </span> th<span class=\"_ _0\"></span>e opti<span class=\"_ _0\"></span>ons </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs254\">and share<span class=\"_ _1\"></span>s grant<span class=\"_ _1\"></span>ed:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs255\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>ny mar<span class=\"_ _0\"></span>ket per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rma<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e con<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs256\">(for exampl<span class=\"_ _0\"></span>e, an e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e)<span class=\"_ _1\"></span>;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs257\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">exclu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of any ser<span class=\"_ _2\"></span>vice a<span class=\"_ _0\"></span>nd no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>rket </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs258\">pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e vesti<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ond<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ons (for exam<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>e, net </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs259\">inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e, ear<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ngs p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>hare a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng an e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyee </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs25a\">of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p over a sp<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed t<span class=\"_ _0\"></span>ime p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d); and</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs25b\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct of any no<span class=\"_ _0\"></span>n-ves<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs25c\">(for exampl<span class=\"_ _0\"></span>e, the re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt for emp<span class=\"_ _0\"></span>loyee<span class=\"_ _0\"></span>s to save)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs25d\">No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>ket vesti<span class=\"_ _0\"></span>ng co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns a<span class=\"_ _0\"></span>re inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs25e\">ass<span class=\"_ _0\"></span>umpt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns ab<span class=\"_ _0\"></span>out t<span class=\"_ _0\"></span>he nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d sha<span class=\"_ _0\"></span>res th<span class=\"_ _0\"></span>at </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs25f\">are expe<span class=\"_ _0\"></span>cted to vest<span class=\"_ _0\"></span>. The total exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e is re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs260\">over the ves<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d, wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>s the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d over whi<span class=\"_ _0\"></span>ch </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs261\">al<span class=\"_ _0\"></span>l of the s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d vesti<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ond<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re to be sat<span class=\"_ _0\"></span>isf<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs262\">At the e<span class=\"_ _0\"></span>nd of ea<span class=\"_ _0\"></span>ch rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>iod, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p revise<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs263\">its es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ate of the nu<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r of opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s and s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res th<span class=\"_ _0\"></span>at </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs264\">are expe<span class=\"_ _0\"></span>cted to vest b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on th<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>ket vesti<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs265\">con<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns. I<span class=\"_ _0\"></span>t reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s the i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>act of th<span class=\"_ _0\"></span>e revis<span class=\"_ _0\"></span>ion to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs266\">or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l esti<span class=\"_ _0\"></span>mates, i<span class=\"_ _0\"></span>f any<span class=\"_ _1\"></span>, in th<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me statem<span class=\"_ _0\"></span>ent, w<span class=\"_ _0\"></span>ith </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs267\">a corre<span class=\"_ _1\"></span>sponding adjustmen<span class=\"_ _1\"></span>t to<span class=\"_ _1\"></span> equity<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs268\">Wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s are exercis<span class=\"_ _0\"></span>ed, t<span class=\"_ _0\"></span>he C<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>any is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>es </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs269\">new sh<span class=\"_ _0\"></span>ares o<span class=\"_ _0\"></span>r ut<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ses s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res that h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>sed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs26a\">in th<span class=\"_ _0\"></span>e ma<span class=\"_ _0\"></span>rket. Th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>cee<span class=\"_ _0\"></span>ds re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>ved net of a<span class=\"_ _0\"></span>ny dire<span class=\"_ _0\"></span>ctly </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs26b\">att<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>uta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>osts a<span class=\"_ _0\"></span>re cre<span class=\"_ _0\"></span>dited to sh<span class=\"_ _0\"></span>are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs26c\">ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al (no<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>al val<span class=\"_ _0\"></span>ue) an<span class=\"_ _0\"></span>d sha<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>um wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs26d\">opti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re exercis<span class=\"_ _0\"></span>ed. T<span class=\"_ _0\"></span>he o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>al fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs26e\">amo<span class=\"_ _0\"></span>unt exerci<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d is tr<span class=\"_ _0\"></span>ansfer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d from t<span class=\"_ _0\"></span>he sh<span class=\"_ _0\"></span>are o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs26f\">rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve to the ac<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>mul<span class=\"_ _0\"></span>ated los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs270\">The g<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nt by the C<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>any of opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s and s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res over </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs271\">its e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s to the em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyees of su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs272\">un<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ak<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup i<span class=\"_ _0\"></span>s treated as a c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs273\">cont<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>ut<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>. The f<span class=\"_ _0\"></span>air va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of emp<span class=\"_ _0\"></span>loyee s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs274\">rec<span class=\"_ _0\"></span>eived, m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>d by referenc<span class=\"_ _0\"></span>e to the gr<span class=\"_ _0\"></span>ant date </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs275\">fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e, is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed over th<span class=\"_ _0\"></span>e vesti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d as an </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs276\">inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in s<span class=\"_ _0\"></span>ubsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tak<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs, wi<span class=\"_ _0\"></span>th </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs277\">a co<span class=\"_ _0\"></span>rres<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t to equ<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y in t<span class=\"_ _0\"></span>he Pa<span class=\"_ _0\"></span>rent ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs278\">(the<span class=\"_ _1\"></span> \u201cC<span class=\"_ _0\"></span>ompany\u201d) accounts.<span class=\"_ _2d6\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-364": {
   "value": "<div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3e ws3f gs27a\">Pension obligations<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs27b\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ates a defi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>ntri<span class=\"_ _0\"></span>but<span class=\"_ _0\"></span>ion p<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs27c\">sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>e for em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyees in t<span class=\"_ _0\"></span>he U<span class=\"_ _0\"></span>K and t<span class=\"_ _0\"></span>he US<span class=\"_ _0\"></span>. The </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs27d\">sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>es are p<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n pl<span class=\"_ _0\"></span>ans u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r wh<span class=\"_ _0\"></span>ich t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p pays </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs27e\">fixe<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>ntri<span class=\"_ _0\"></span>but<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s into a sep<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ate entit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. Th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs27f\">has n<span class=\"_ _0\"></span>o le<span class=\"_ _0\"></span>gal o<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>tive ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>ons to pay fu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs280\">cont<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>ut<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s if th<span class=\"_ _0\"></span>e fun<span class=\"_ _0\"></span>d do<span class=\"_ _0\"></span>es not h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d suf<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ent as<span class=\"_ _0\"></span>sets </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs281\">to pay all e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyees t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>enef<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>s rel<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g to emp<span class=\"_ _0\"></span>loyee </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs282\">ser<span class=\"_ _2\"></span>vice i<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent an<span class=\"_ _0\"></span>d pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r years<span class=\"_ _0\"></span>. Co<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>ibu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs283\">payab<span class=\"_ _0\"></span>le to the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>e are ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ed to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs284\">the s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nt of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsive i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>n the yea<span class=\"_ _0\"></span>r to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs285\">whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>ey rel<span class=\"_ _0\"></span>ate. The G<span class=\"_ _0\"></span>roup h<span class=\"_ _0\"></span>as no f<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs286\">obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns on<span class=\"_ _0\"></span>ce t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>ntri<span class=\"_ _0\"></span>bu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns have be<span class=\"_ _0\"></span>en p<span class=\"_ _0\"></span>aid<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-410": {
   "value": "Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d de<span class=\"_ _0\"></span>ferr<span class=\"_ _0\"></span>ed ta<span class=\"_ _0\"></span>x The t<span class=\"_ _0\"></span>ax expe<span class=\"_ _0\"></span>nse for th<span class=\"_ _0\"></span>e year c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ises c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent a<span class=\"_ _0\"></span>nd deferr<span class=\"_ _0\"></span>ed tax<span class=\"_ _0\"></span>. Cur<span class=\"_ _0\"></span>rent t<span class=\"_ _0\"></span>ax is p<span class=\"_ _0\"></span>rovide<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts expec<span class=\"_ _0\"></span>ted to be pa<span class=\"_ _0\"></span>id (or rec<span class=\"_ _0\"></span>overed) us<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the t<span class=\"_ _0\"></span>ax rates an<span class=\"_ _0\"></span>d laws that h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n ena<span class=\"_ _0\"></span>cted o<span class=\"_ _0\"></span>r subs<span class=\"_ _0\"></span>tanti<span class=\"_ _0\"></span>vely e<span class=\"_ _0\"></span>nac<span class=\"_ _0\"></span>ted by the bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce sh<span class=\"_ _0\"></span>eet d<span class=\"_ _0\"></span>ate in the c<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny and i<span class=\"_ _0\"></span>ts su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ate and ge<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rate taxab<span class=\"_ _0\"></span>le i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me. Ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>odi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y evalu<span class=\"_ _0\"></span>ates pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ons ta<span class=\"_ _0\"></span>ken in t<span class=\"_ _0\"></span>ax retur<span class=\"_ _0\"></span>ns wit<span class=\"_ _0\"></span>h resp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>t to situat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns in w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ica<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e tax reg<span class=\"_ _0\"></span>ulat<span class=\"_ _0\"></span>ion i<span class=\"_ _0\"></span>s sub<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>ct to interp<span class=\"_ _0\"></span>retati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has e<span class=\"_ _0\"></span>stab<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>she<span class=\"_ _0\"></span>d tr<span class=\"_ _0\"></span>ansfe<span class=\"_ _0\"></span>r pri<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>oli<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>re are m<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ism<span class=\"_ _0\"></span>s in p<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e that e<span class=\"_ _0\"></span>nsu<span class=\"_ _0\"></span>re sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>iar<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>mun<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated app<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ately o<span class=\"_ _0\"></span>n an a<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>\u2019s len<span class=\"_ _0\"></span>gth b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s for se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>es p<span class=\"_ _0\"></span>rovide<span class=\"_ _0\"></span>d. It e<span class=\"_ _0\"></span>stab<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>she<span class=\"_ _0\"></span>s provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns, wh<span class=\"_ _0\"></span>ere ap<span class=\"_ _0\"></span>pro<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>iate, base<span class=\"_ _0\"></span>d on a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts expe<span class=\"_ _0\"></span>cted to be p<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d to the tax<span class=\"_ _1\"></span> authorities.<span class=\"_ _2d6\"> </span>Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x ass<span class=\"_ _0\"></span>ets for un<span class=\"_ _0\"></span>use<span class=\"_ _0\"></span>d tax l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es, ta<span class=\"_ _0\"></span>x cre<span class=\"_ _0\"></span>dits a<span class=\"_ _0\"></span>nd deduct<span class=\"_ _1\"></span>ible t<span class=\"_ _1\"></span>emporar<span class=\"_ _0\"></span>y diff<span class=\"_ _1\"></span>erences<span class=\"_ _1\"></span> are r<span class=\"_ _1\"></span>ecognised t<span class=\"_ _1\"></span>o the<span class=\"_ _1\"></span> extent th<span class=\"_ _0\"></span>at it is p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e that f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t wil<span class=\"_ _0\"></span>l be avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es c<span class=\"_ _0\"></span>an be u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d. Def<span class=\"_ _1\"></span>erred t<span class=\"_ _1\"></span>ax asse<span class=\"_ _1\"></span>ts ar<span class=\"_ _1\"></span>e recognis<span class=\"_ _1\"></span>ed on deduc<span class=\"_ _1\"></span>tible temp<span class=\"_ _0\"></span>ora<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y di<span class=\"_ _0\"></span>ffe<span class=\"_ _0\"></span>renc<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>ing f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>, ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ates and j<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt ar<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts on<span class=\"_ _0\"></span>ly to the ex<span class=\"_ _0\"></span>tent that i<span class=\"_ _0\"></span>t is pr<span class=\"_ _0\"></span>obab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>ll reverse i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e futu<span class=\"_ _0\"></span>re an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>re is su<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>nt taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>n be u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re provi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d on taxa<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e temp<span class=\"_ _0\"></span>ora<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y differences arisin<span class=\"_ _0\"></span>g from in<span class=\"_ _1\"></span>vestments in subsidiaries, ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ates an<span class=\"_ _0\"></span>d joi<span class=\"_ _0\"></span>nt ar<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts, except for a<span class=\"_ _0\"></span>ny deferr<span class=\"_ _0\"></span>ed tax l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e tim<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g of the rever<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>l of the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p an<span class=\"_ _0\"></span>d it is pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>le t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e temp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>ll not rever<span class=\"_ _0\"></span>se in th<span class=\"_ _0\"></span>e fores<span class=\"_ _0\"></span>eea<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e futu<span class=\"_ _0\"></span>re.<span class=\"_ _2d6\"> </span>Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re of<span class=\"_ _0\"></span>fset wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>ere is a le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y enforce<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le r<span class=\"_ _0\"></span>ight to of<span class=\"_ _0\"></span>fset cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax as<span class=\"_ _0\"></span>sets aga<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>t cu<span class=\"_ _0\"></span>rrent t<span class=\"_ _0\"></span>ax li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ties a<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>he defer<span class=\"_ _0\"></span>red t<span class=\"_ _0\"></span>ax ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies re<span class=\"_ _0\"></span>late to inc<span class=\"_ _0\"></span>ome t<span class=\"_ _0\"></span>axes lev<span class=\"_ _0\"></span>ied by th<span class=\"_ _0\"></span>e sa<span class=\"_ _0\"></span>me taxati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>uth<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y on ei<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e sam<span class=\"_ _0\"></span>e taxab<span class=\"_ _0\"></span>le e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y or di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferent taxa<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ties a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s an i<span class=\"_ _0\"></span>ntentio<span class=\"_ _0\"></span>n to set<span class=\"_ _0\"></span>tle t<span class=\"_ _0\"></span>he ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s on a n<span class=\"_ _0\"></span>et bas<span class=\"_ _0\"></span>is.<span class=\"_ _2d6\"> </span>Defer<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me t<span class=\"_ _0\"></span>ax is p<span class=\"_ _0\"></span>rovide<span class=\"_ _0\"></span>d in f<span class=\"_ _0\"></span>ull<span class=\"_ _0\"></span>, usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y meth<span class=\"_ _0\"></span>od, o<span class=\"_ _0\"></span>n temp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n the tax ba<span class=\"_ _0\"></span>ses of as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng amounts<span class=\"_ _1\"></span> in the financi<span class=\"_ _1\"></span>al stat<span class=\"_ _1\"></span>ements.<span class=\"_ _1\"></span> Howev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>, de<span class=\"_ _1\"></span>ferred<span class=\"_ _1\"></span> tax is n<span class=\"_ _0\"></span>ot ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted for if i<span class=\"_ _0\"></span>t ari<span class=\"_ _0\"></span>ses f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on of an as<span class=\"_ _0\"></span>set or l<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y in a t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r tha<span class=\"_ _0\"></span>n a bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess c<span class=\"_ _0\"></span>omb<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n that at th<span class=\"_ _0\"></span>e ti<span class=\"_ _0\"></span>me of th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on affe<span class=\"_ _0\"></span>cts ne<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>er a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng n<span class=\"_ _0\"></span>or taxa<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s. Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x is deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned u<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng tax r<span class=\"_ _0\"></span>ates and l<span class=\"_ _0\"></span>aws that h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n ena<span class=\"_ _0\"></span>cted or s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>tanti<span class=\"_ _0\"></span>vely e<span class=\"_ _0\"></span>nac<span class=\"_ _0\"></span>ted at the<span class=\"_ _0\"></span> year-en<span class=\"_ _0\"></span>d date and a<span class=\"_ _0\"></span>re expe<span class=\"_ _0\"></span>cted to app<span class=\"_ _0\"></span>ly w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>lated deferr<span class=\"_ _0\"></span>ed tax a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>s real<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d or t<span class=\"_ _0\"></span>he defer<span class=\"_ _0\"></span>red t<span class=\"_ _0\"></span>ax li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty is<span class=\"_ _0\"></span> set<span class=\"_ _0\"></span>tle<span class=\"_ _0\"></span>d. D<span class=\"_ _0\"></span>eferre<span class=\"_ _0\"></span>d tax b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es are n<span class=\"_ _0\"></span>ot dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-366": {
   "value": "Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d de<span class=\"_ _0\"></span>ferr<span class=\"_ _0\"></span>ed ta<span class=\"_ _0\"></span>x The t<span class=\"_ _0\"></span>ax expe<span class=\"_ _0\"></span>nse for th<span class=\"_ _0\"></span>e year c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ises c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent a<span class=\"_ _0\"></span>nd deferr<span class=\"_ _0\"></span>ed tax<span class=\"_ _0\"></span>. Cur<span class=\"_ _0\"></span>rent t<span class=\"_ _0\"></span>ax is p<span class=\"_ _0\"></span>rovide<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts expec<span class=\"_ _0\"></span>ted to be pa<span class=\"_ _0\"></span>id (or rec<span class=\"_ _0\"></span>overed) us<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the t<span class=\"_ _0\"></span>ax rates an<span class=\"_ _0\"></span>d laws that h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n ena<span class=\"_ _0\"></span>cted o<span class=\"_ _0\"></span>r subs<span class=\"_ _0\"></span>tanti<span class=\"_ _0\"></span>vely e<span class=\"_ _0\"></span>nac<span class=\"_ _0\"></span>ted by the bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce sh<span class=\"_ _0\"></span>eet d<span class=\"_ _0\"></span>ate in the c<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny and i<span class=\"_ _0\"></span>ts su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ate and ge<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rate taxab<span class=\"_ _0\"></span>le i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me. Ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>odi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y evalu<span class=\"_ _0\"></span>ates pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ons ta<span class=\"_ _0\"></span>ken in t<span class=\"_ _0\"></span>ax retur<span class=\"_ _0\"></span>ns wit<span class=\"_ _0\"></span>h resp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>t to situat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns in w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ica<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e tax reg<span class=\"_ _0\"></span>ulat<span class=\"_ _0\"></span>ion i<span class=\"_ _0\"></span>s sub<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>ct to interp<span class=\"_ _0\"></span>retati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has e<span class=\"_ _0\"></span>stab<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>she<span class=\"_ _0\"></span>d tr<span class=\"_ _0\"></span>ansfe<span class=\"_ _0\"></span>r pri<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>oli<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>re are m<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ism<span class=\"_ _0\"></span>s in p<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e that e<span class=\"_ _0\"></span>nsu<span class=\"_ _0\"></span>re sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>iar<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>mun<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated app<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ately o<span class=\"_ _0\"></span>n an a<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>\u2019s len<span class=\"_ _0\"></span>gth b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s for se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>es p<span class=\"_ _0\"></span>rovide<span class=\"_ _0\"></span>d. It e<span class=\"_ _0\"></span>stab<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>she<span class=\"_ _0\"></span>s provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns, wh<span class=\"_ _0\"></span>ere ap<span class=\"_ _0\"></span>pro<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>iate, base<span class=\"_ _0\"></span>d on a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts expe<span class=\"_ _0\"></span>cted to be p<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d to the tax<span class=\"_ _1\"></span> authorities.<span class=\"_ _2d6\"> </span>Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x ass<span class=\"_ _0\"></span>ets for un<span class=\"_ _0\"></span>use<span class=\"_ _0\"></span>d tax l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es, ta<span class=\"_ _0\"></span>x cre<span class=\"_ _0\"></span>dits a<span class=\"_ _0\"></span>nd deduct<span class=\"_ _1\"></span>ible t<span class=\"_ _1\"></span>emporar<span class=\"_ _0\"></span>y diff<span class=\"_ _1\"></span>erences<span class=\"_ _1\"></span> are r<span class=\"_ _1\"></span>ecognised t<span class=\"_ _1\"></span>o the<span class=\"_ _1\"></span> extent th<span class=\"_ _0\"></span>at it is p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e that f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t wil<span class=\"_ _0\"></span>l be avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es c<span class=\"_ _0\"></span>an be u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d. Def<span class=\"_ _1\"></span>erred t<span class=\"_ _1\"></span>ax asse<span class=\"_ _1\"></span>ts ar<span class=\"_ _1\"></span>e recognis<span class=\"_ _1\"></span>ed on deduc<span class=\"_ _1\"></span>tible temp<span class=\"_ _0\"></span>ora<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y di<span class=\"_ _0\"></span>ffe<span class=\"_ _0\"></span>renc<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>ing f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>, ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ates and j<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt ar<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts on<span class=\"_ _0\"></span>ly to the ex<span class=\"_ _0\"></span>tent that i<span class=\"_ _0\"></span>t is pr<span class=\"_ _0\"></span>obab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>ll reverse i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e futu<span class=\"_ _0\"></span>re an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>re is su<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>nt taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>n be u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re provi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d on taxa<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e temp<span class=\"_ _0\"></span>ora<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y differences arisin<span class=\"_ _0\"></span>g from in<span class=\"_ _1\"></span>vestments in subsidiaries, ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ates an<span class=\"_ _0\"></span>d joi<span class=\"_ _0\"></span>nt ar<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts, except for a<span class=\"_ _0\"></span>ny deferr<span class=\"_ _0\"></span>ed tax l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e tim<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g of the rever<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>l of the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p an<span class=\"_ _0\"></span>d it is pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>le t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e temp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>ll not rever<span class=\"_ _0\"></span>se in th<span class=\"_ _0\"></span>e fores<span class=\"_ _0\"></span>eea<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e futu<span class=\"_ _0\"></span>re.<span class=\"_ _2d6\"> </span>Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re of<span class=\"_ _0\"></span>fset wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>ere is a le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y enforce<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le r<span class=\"_ _0\"></span>ight to of<span class=\"_ _0\"></span>fset cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax as<span class=\"_ _0\"></span>sets aga<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>t cu<span class=\"_ _0\"></span>rrent t<span class=\"_ _0\"></span>ax li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ties a<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>he defer<span class=\"_ _0\"></span>red t<span class=\"_ _0\"></span>ax ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies re<span class=\"_ _0\"></span>late to inc<span class=\"_ _0\"></span>ome t<span class=\"_ _0\"></span>axes lev<span class=\"_ _0\"></span>ied by th<span class=\"_ _0\"></span>e sa<span class=\"_ _0\"></span>me taxati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>uth<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y on ei<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e sam<span class=\"_ _0\"></span>e taxab<span class=\"_ _0\"></span>le e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y or di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferent taxa<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ties a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s an i<span class=\"_ _0\"></span>ntentio<span class=\"_ _0\"></span>n to set<span class=\"_ _0\"></span>tle t<span class=\"_ _0\"></span>he ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s on a n<span class=\"_ _0\"></span>et bas<span class=\"_ _0\"></span>is.<span class=\"_ _2d6\"> </span>Defer<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me t<span class=\"_ _0\"></span>ax is p<span class=\"_ _0\"></span>rovide<span class=\"_ _0\"></span>d in f<span class=\"_ _0\"></span>ull<span class=\"_ _0\"></span>, usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y meth<span class=\"_ _0\"></span>od, o<span class=\"_ _0\"></span>n temp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n the tax ba<span class=\"_ _0\"></span>ses of as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng amounts<span class=\"_ _1\"></span> in the financi<span class=\"_ _1\"></span>al stat<span class=\"_ _1\"></span>ements.<span class=\"_ _1\"></span> Howev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>, de<span class=\"_ _1\"></span>ferred<span class=\"_ _1\"></span> tax is n<span class=\"_ _0\"></span>ot ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted for if i<span class=\"_ _0\"></span>t ari<span class=\"_ _0\"></span>ses f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on of an as<span class=\"_ _0\"></span>set or l<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y in a t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r tha<span class=\"_ _0\"></span>n a bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess c<span class=\"_ _0\"></span>omb<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n that at th<span class=\"_ _0\"></span>e ti<span class=\"_ _0\"></span>me of th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on affe<span class=\"_ _0\"></span>cts ne<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>er a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng n<span class=\"_ _0\"></span>or taxa<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s. Defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x is deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned u<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng tax r<span class=\"_ _0\"></span>ates and l<span class=\"_ _0\"></span>aws that h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n ena<span class=\"_ _0\"></span>cted or s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>tanti<span class=\"_ _0\"></span>vely e<span class=\"_ _0\"></span>nac<span class=\"_ _0\"></span>ted at the<span class=\"_ _0\"></span> year-en<span class=\"_ _0\"></span>d date and a<span class=\"_ _0\"></span>re expe<span class=\"_ _0\"></span>cted to app<span class=\"_ _0\"></span>ly w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>lated deferr<span class=\"_ _0\"></span>ed tax a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>s real<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d or t<span class=\"_ _0\"></span>he defer<span class=\"_ _0\"></span>red t<span class=\"_ _0\"></span>ax li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty is<span class=\"_ _0\"></span> set<span class=\"_ _0\"></span>tle<span class=\"_ _0\"></span>d. D<span class=\"_ _0\"></span>eferre<span class=\"_ _0\"></span>d tax b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es are n<span class=\"_ _0\"></span>ot dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-367": {
   "value": "Dividends<span class=\"_ _2d6\"> </span>Div<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>s are rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>hey be<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly payab<span class=\"_ _0\"></span>le, in a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>orda<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e with t<span class=\"_ _0\"></span>he C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pan<span class=\"_ _0\"></span>ies A<span class=\"_ _0\"></span>ct 200<span class=\"_ _0\"></span>6.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-411": {
   "value": "Inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>ble a<span class=\"_ _0\"></span>ssets<span class=\"_ _2d6\"> </span>Inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets wi<span class=\"_ _0\"></span>th f<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>te usefu<span class=\"_ _0\"></span>l lives a<span class=\"_ _0\"></span>re am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d on a st<span class=\"_ _0\"></span>rai<span class=\"_ _0\"></span>ght-li<span class=\"_ _0\"></span>ne b<span class=\"_ _0\"></span>asis over t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r est<span class=\"_ _0\"></span>imated u<span class=\"_ _0\"></span>sefu<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>ves. Usefu<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>ves and a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on met<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>ds are revi<span class=\"_ _0\"></span>ewed at the e<span class=\"_ _0\"></span>nd of ea<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>nnu<span class=\"_ _0\"></span>al re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>od, o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re freq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>ntly w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re is an i<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et may be i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>aire<span class=\"_ _0\"></span>d, wit<span class=\"_ _0\"></span>h the ef<span class=\"_ _0\"></span>fec<span class=\"_ _0\"></span>t of any cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>es accoun<span class=\"_ _1\"></span>ted f<span class=\"_ _1\"></span>or on<span class=\"_ _1\"></span> a prospec<span class=\"_ _1\"></span>tive<span class=\"_ _1\"></span> basis. Amortisa<span class=\"_ _1\"></span>tion com<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et is avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le for use. T<span class=\"_ _0\"></span>he res<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets is as<span class=\"_ _0\"></span>sum<span class=\"_ _0\"></span>ed to be zero. Computer<span class=\"_ _1\"></span> software li<span class=\"_ _1\"></span>cences<span class=\"_ _2d6\"> </span>Acq<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>ed co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>uter sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware l<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>re ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>ali<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d on the b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s of the c<span class=\"_ _0\"></span>osts i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d to acq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>re and b<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng to use t<span class=\"_ _0\"></span>he sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se cos<span class=\"_ _0\"></span>ts are a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed over the l<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d, wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>s up to f<span class=\"_ _0\"></span>ive years a<span class=\"_ _0\"></span>s at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Capitalised<span class=\"_ _1\"></span> dev<span class=\"_ _1\"></span>elopment cost<span class=\"_ _1\"></span>s Costs associa<span class=\"_ _1\"></span>ted with main<span class=\"_ _1\"></span>taining computer software pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>ms a<span class=\"_ _0\"></span>re reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e as in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. Devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt costs t<span class=\"_ _0\"></span>hat ar<span class=\"_ _0\"></span>e dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y attr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>uta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e to the de<span class=\"_ _0\"></span>sig<span class=\"_ _0\"></span>n, bu<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d testin<span class=\"_ _0\"></span>g of ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d uni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>e sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>cts c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as i<span class=\"_ _0\"></span>ntan<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>le as<span class=\"_ _0\"></span>sets w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n the fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing criteria<span class=\"_ _1\"></span> are me<span class=\"_ _1\"></span>t: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>t is tech<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>cal<span class=\"_ _0\"></span>ly feas<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le to co<span class=\"_ _0\"></span>mpl<span class=\"_ _0\"></span>ete the b<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ld of th<span class=\"_ _0\"></span>e </span></span>pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts so t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>ey wil<span class=\"_ _0\"></span>l be avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le fo<span class=\"_ _0\"></span>r use; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">management in<span class=\"_ _1\"></span>tends<span class=\"_ _1\"></span> to comple<span class=\"_ _1\"></span>te the<span class=\"_ _1\"></span> build of<span class=\"_ _1\"></span> the </span></span>pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts for us<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>ere i<span class=\"_ _0\"></span>s an ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to use th<span class=\"_ _0\"></span>e plat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>t can b<span class=\"_ _0\"></span>e de<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>ated how th<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>cts wi<span class=\"_ _0\"></span>ll </span></span>generat<span class=\"_ _1\"></span>e probable futur<span class=\"_ _1\"></span>e economic benefits; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a<span class=\"_ _0\"></span>deq<span class=\"_ _0\"></span>uate tech<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>cal<span class=\"_ _0\"></span>, fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er res<span class=\"_ _0\"></span>ourc<span class=\"_ _0\"></span>es to </span></span>com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ete the d<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d to use th<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts are avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le; a<span class=\"_ _0\"></span>nd <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e expe<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ture at<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ibu<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le to the p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts </span></span>dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g its deve<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>y mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>Di<span class=\"_ _0\"></span>rect<span class=\"_ _0\"></span>ly at<span class=\"_ _0\"></span>tri<span class=\"_ _0\"></span>but<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>sts th<span class=\"_ _0\"></span>at are c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of the s<span class=\"_ _0\"></span>of<span class=\"_ _0\"></span>twa<span class=\"_ _0\"></span>re pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de th<span class=\"_ _0\"></span>e sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware deve<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt emp<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>oyee and c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>acto<span class=\"_ _0\"></span>r cost<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>ali<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on of emp<span class=\"_ _0\"></span>loyee c<span class=\"_ _0\"></span>osts i<span class=\"_ _0\"></span>s bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of ti<span class=\"_ _0\"></span>me sp<span class=\"_ _0\"></span>ent on s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>c proj<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ts whi<span class=\"_ _0\"></span>ch m<span class=\"_ _0\"></span>eet th<span class=\"_ _0\"></span>e cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia as a pr<span class=\"_ _1\"></span>opor<span class=\"_ _0\"></span>tion o<span class=\"_ _1\"></span>f their<span class=\"_ _1\"></span> tot<span class=\"_ _1\"></span>al time<span class=\"_ _1\"></span>, and thi<span class=\"_ _1\"></span>s proportion of the<span class=\"_ _0\"></span>ir s<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y-re<span class=\"_ _0\"></span>lated c<span class=\"_ _0\"></span>osts i<span class=\"_ _0\"></span>s att<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>uted to th<span class=\"_ _0\"></span>e applicable<span class=\"_ _1\"></span> projects.<span class=\"_ _2d6\"> </span>Ot<span class=\"_ _0\"></span>her d<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent expe<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ture t<span class=\"_ _0\"></span>hat do<span class=\"_ _0\"></span>es not m<span class=\"_ _0\"></span>eet the<span class=\"_ _0\"></span>se cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e as in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. Dev<span class=\"_ _1\"></span>elopment<span class=\"_ _1\"></span> costs pr<span class=\"_ _1\"></span>eviou<span class=\"_ _1\"></span>sly recogni<span class=\"_ _1\"></span>sed as a<span class=\"_ _1\"></span>n expe<span class=\"_ _1\"></span>nse are not re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>n a sub<span class=\"_ _0\"></span>seq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nt pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>Capitali<span class=\"_ _1\"></span>sed dev<span class=\"_ _1\"></span>elopment<span class=\"_ _1\"></span> costs<span class=\"_ _1\"></span> are r<span class=\"_ _1\"></span>ecorded as<span class=\"_ _1\"></span> intangi<span class=\"_ _1\"></span>ble ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d from t<span class=\"_ _0\"></span>he po<span class=\"_ _0\"></span>int at w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h the a<span class=\"_ _0\"></span>sset is rea<span class=\"_ _0\"></span>dy for us<span class=\"_ _0\"></span>e over the<span class=\"_ _0\"></span>ir es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ated usef<span class=\"_ _0\"></span>ul li<span class=\"_ _0\"></span>ves, ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ing from t<span class=\"_ _0\"></span>hre<span class=\"_ _0\"></span>e to five yea<span class=\"_ _0\"></span>rs. Other in<span class=\"_ _1\"></span>tangibles<span class=\"_ _2d6\"> </span>Ot<span class=\"_ _0\"></span>her i<span class=\"_ _0\"></span>ntan<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s rel<span class=\"_ _0\"></span>ate to the tech<span class=\"_ _0\"></span>nol<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>y pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m and c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p (repre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>ing fe<span class=\"_ _0\"></span>es du<span class=\"_ _0\"></span>e on co<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>acted l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns expe<span class=\"_ _0\"></span>cted to be rea<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e forese<span class=\"_ _0\"></span>eab<span class=\"_ _0\"></span>le f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re) acqu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d on a b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>mbi<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se cos<span class=\"_ _0\"></span>ts are a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed over th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r esti<span class=\"_ _0\"></span>mated u<span class=\"_ _0\"></span>sefu<span class=\"_ _0\"></span>l lives<span class=\"_ _0\"></span>, whi<span class=\"_ _0\"></span>ch do n<span class=\"_ _0\"></span>ot excee<span class=\"_ _0\"></span>d thre<span class=\"_ _0\"></span>e year<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-368": {
   "value": "Inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>ble a<span class=\"_ _0\"></span>ssets<span class=\"_ _2d6\"> </span>Inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets wi<span class=\"_ _0\"></span>th f<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>te usefu<span class=\"_ _0\"></span>l lives a<span class=\"_ _0\"></span>re am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d on a st<span class=\"_ _0\"></span>rai<span class=\"_ _0\"></span>ght-li<span class=\"_ _0\"></span>ne b<span class=\"_ _0\"></span>asis over t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r est<span class=\"_ _0\"></span>imated u<span class=\"_ _0\"></span>sefu<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>ves. Usefu<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>ves and a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on met<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>ds are revi<span class=\"_ _0\"></span>ewed at the e<span class=\"_ _0\"></span>nd of ea<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>nnu<span class=\"_ _0\"></span>al re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>od, o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re freq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>ntly w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re is an i<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et may be i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>aire<span class=\"_ _0\"></span>d, wit<span class=\"_ _0\"></span>h the ef<span class=\"_ _0\"></span>fec<span class=\"_ _0\"></span>t of any cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>es accoun<span class=\"_ _1\"></span>ted f<span class=\"_ _1\"></span>or on<span class=\"_ _1\"></span> a prospec<span class=\"_ _1\"></span>tive<span class=\"_ _1\"></span> basis. Amortisa<span class=\"_ _1\"></span>tion com<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et is avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le for use. T<span class=\"_ _0\"></span>he res<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets is as<span class=\"_ _0\"></span>sum<span class=\"_ _0\"></span>ed to be zero. Computer<span class=\"_ _1\"></span> software li<span class=\"_ _1\"></span>cences<span class=\"_ _2d6\"> </span>Acq<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>ed co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>uter sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware l<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>re ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>ali<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d on the b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s of the c<span class=\"_ _0\"></span>osts i<span class=\"_ _0\"></span>ncu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d to acq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>re and b<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng to use t<span class=\"_ _0\"></span>he sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se cos<span class=\"_ _0\"></span>ts are a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed over the l<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d, wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>s up to f<span class=\"_ _0\"></span>ive years a<span class=\"_ _0\"></span>s at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Capitalised<span class=\"_ _1\"></span> dev<span class=\"_ _1\"></span>elopment cost<span class=\"_ _1\"></span>s Costs associa<span class=\"_ _1\"></span>ted with main<span class=\"_ _1\"></span>taining computer software pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>ms a<span class=\"_ _0\"></span>re reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e as in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. Devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt costs t<span class=\"_ _0\"></span>hat ar<span class=\"_ _0\"></span>e dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y attr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>uta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e to the de<span class=\"_ _0\"></span>sig<span class=\"_ _0\"></span>n, bu<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d testin<span class=\"_ _0\"></span>g of ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d uni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>e sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>cts c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as i<span class=\"_ _0\"></span>ntan<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>le as<span class=\"_ _0\"></span>sets w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n the fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing criteria<span class=\"_ _1\"></span> are me<span class=\"_ _1\"></span>t: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>t is tech<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>cal<span class=\"_ _0\"></span>ly feas<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le to co<span class=\"_ _0\"></span>mpl<span class=\"_ _0\"></span>ete the b<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ld of th<span class=\"_ _0\"></span>e </span></span>pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts so t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>ey wil<span class=\"_ _0\"></span>l be avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le fo<span class=\"_ _0\"></span>r use; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">management in<span class=\"_ _1\"></span>tends<span class=\"_ _1\"></span> to comple<span class=\"_ _1\"></span>te the<span class=\"_ _1\"></span> build of<span class=\"_ _1\"></span> the </span></span>pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts for us<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>ere i<span class=\"_ _0\"></span>s an ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to use th<span class=\"_ _0\"></span>e plat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>t can b<span class=\"_ _0\"></span>e de<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>ated how th<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>cts wi<span class=\"_ _0\"></span>ll </span></span>generat<span class=\"_ _1\"></span>e probable futur<span class=\"_ _1\"></span>e economic benefits; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a<span class=\"_ _0\"></span>deq<span class=\"_ _0\"></span>uate tech<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>cal<span class=\"_ _0\"></span>, fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er res<span class=\"_ _0\"></span>ourc<span class=\"_ _0\"></span>es to </span></span>com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ete the d<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d to use th<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts are avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le; a<span class=\"_ _0\"></span>nd <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e expe<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ture at<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ibu<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le to the p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts </span></span>dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g its deve<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>y mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>Di<span class=\"_ _0\"></span>rect<span class=\"_ _0\"></span>ly at<span class=\"_ _0\"></span>tri<span class=\"_ _0\"></span>but<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>sts th<span class=\"_ _0\"></span>at are c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of the s<span class=\"_ _0\"></span>of<span class=\"_ _0\"></span>twa<span class=\"_ _0\"></span>re pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de th<span class=\"_ _0\"></span>e sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware deve<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt emp<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>oyee and c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>acto<span class=\"_ _0\"></span>r cost<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>ali<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on of emp<span class=\"_ _0\"></span>loyee c<span class=\"_ _0\"></span>osts i<span class=\"_ _0\"></span>s bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of ti<span class=\"_ _0\"></span>me sp<span class=\"_ _0\"></span>ent on s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>c proj<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ts whi<span class=\"_ _0\"></span>ch m<span class=\"_ _0\"></span>eet th<span class=\"_ _0\"></span>e cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia as a pr<span class=\"_ _1\"></span>opor<span class=\"_ _0\"></span>tion o<span class=\"_ _1\"></span>f their<span class=\"_ _1\"></span> tot<span class=\"_ _1\"></span>al time<span class=\"_ _1\"></span>, and thi<span class=\"_ _1\"></span>s proportion of the<span class=\"_ _0\"></span>ir s<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y-re<span class=\"_ _0\"></span>lated c<span class=\"_ _0\"></span>osts i<span class=\"_ _0\"></span>s att<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>uted to th<span class=\"_ _0\"></span>e applicable<span class=\"_ _1\"></span> projects.<span class=\"_ _2d6\"> </span>Ot<span class=\"_ _0\"></span>her d<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent expe<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ture t<span class=\"_ _0\"></span>hat do<span class=\"_ _0\"></span>es not m<span class=\"_ _0\"></span>eet the<span class=\"_ _0\"></span>se cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e as in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. Dev<span class=\"_ _1\"></span>elopment<span class=\"_ _1\"></span> costs pr<span class=\"_ _1\"></span>eviou<span class=\"_ _1\"></span>sly recogni<span class=\"_ _1\"></span>sed as a<span class=\"_ _1\"></span>n expe<span class=\"_ _1\"></span>nse are not re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>n a sub<span class=\"_ _0\"></span>seq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nt pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>Capitali<span class=\"_ _1\"></span>sed dev<span class=\"_ _1\"></span>elopment<span class=\"_ _1\"></span> costs<span class=\"_ _1\"></span> are r<span class=\"_ _1\"></span>ecorded as<span class=\"_ _1\"></span> intangi<span class=\"_ _1\"></span>ble ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d from t<span class=\"_ _0\"></span>he po<span class=\"_ _0\"></span>int at w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h the a<span class=\"_ _0\"></span>sset is rea<span class=\"_ _0\"></span>dy for us<span class=\"_ _0\"></span>e over the<span class=\"_ _0\"></span>ir es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ated usef<span class=\"_ _0\"></span>ul li<span class=\"_ _0\"></span>ves, ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ing from t<span class=\"_ _0\"></span>hre<span class=\"_ _0\"></span>e to five yea<span class=\"_ _0\"></span>rs. Other in<span class=\"_ _1\"></span>tangibles<span class=\"_ _2d6\"> </span>Ot<span class=\"_ _0\"></span>her i<span class=\"_ _0\"></span>ntan<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s rel<span class=\"_ _0\"></span>ate to the tech<span class=\"_ _0\"></span>nol<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>y pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m and c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p (repre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>ing fe<span class=\"_ _0\"></span>es du<span class=\"_ _0\"></span>e on co<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>acted l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns expe<span class=\"_ _0\"></span>cted to be rea<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e forese<span class=\"_ _0\"></span>eab<span class=\"_ _0\"></span>le f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re) acqu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d on a b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>mbi<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se cos<span class=\"_ _0\"></span>ts are a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed over th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r esti<span class=\"_ _0\"></span>mated u<span class=\"_ _0\"></span>sefu<span class=\"_ _0\"></span>l lives<span class=\"_ _0\"></span>, whi<span class=\"_ _0\"></span>ch do n<span class=\"_ _0\"></span>ot excee<span class=\"_ _0\"></span>d thre<span class=\"_ _0\"></span>e year<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-440": {
   "value": "Capitalised<span class=\"_ _1\"></span> dev<span class=\"_ _1\"></span>elopment cost<span class=\"_ _1\"></span>s Costs associa<span class=\"_ _1\"></span>ted with main<span class=\"_ _1\"></span>taining computer software pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>ms a<span class=\"_ _0\"></span>re reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e as in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. Devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt costs t<span class=\"_ _0\"></span>hat ar<span class=\"_ _0\"></span>e dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y attr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>uta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e to the de<span class=\"_ _0\"></span>sig<span class=\"_ _0\"></span>n, bu<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d testin<span class=\"_ _0\"></span>g of ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d uni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>e sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>cts c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as i<span class=\"_ _0\"></span>ntan<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>le as<span class=\"_ _0\"></span>sets w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n the fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing criteria<span class=\"_ _1\"></span> are me<span class=\"_ _1\"></span>t: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>t is tech<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>cal<span class=\"_ _0\"></span>ly feas<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le to co<span class=\"_ _0\"></span>mpl<span class=\"_ _0\"></span>ete the b<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ld of th<span class=\"_ _0\"></span>e </span></span>pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts so t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>ey wil<span class=\"_ _0\"></span>l be avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le fo<span class=\"_ _0\"></span>r use; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">management in<span class=\"_ _1\"></span>tends<span class=\"_ _1\"></span> to comple<span class=\"_ _1\"></span>te the<span class=\"_ _1\"></span> build of<span class=\"_ _1\"></span> the </span></span>pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts for us<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>ere i<span class=\"_ _0\"></span>s an ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to use th<span class=\"_ _0\"></span>e plat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">i<span class=\"_ _0\"></span>t can b<span class=\"_ _0\"></span>e de<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>ated how th<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>cts wi<span class=\"_ _0\"></span>ll </span></span>generat<span class=\"_ _1\"></span>e probable futur<span class=\"_ _1\"></span>e economic benefits; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a<span class=\"_ _0\"></span>deq<span class=\"_ _0\"></span>uate tech<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>cal<span class=\"_ _0\"></span>, fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er res<span class=\"_ _0\"></span>ourc<span class=\"_ _0\"></span>es to </span></span>com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ete the d<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d to use th<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfor<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts are avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le; a<span class=\"_ _0\"></span>nd <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e expe<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ture at<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ibu<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le to the p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ts </span></span>dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g its deve<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>y mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>Di<span class=\"_ _0\"></span>rect<span class=\"_ _0\"></span>ly at<span class=\"_ _0\"></span>tri<span class=\"_ _0\"></span>but<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>sts th<span class=\"_ _0\"></span>at are c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of the s<span class=\"_ _0\"></span>of<span class=\"_ _0\"></span>twa<span class=\"_ _0\"></span>re pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de th<span class=\"_ _0\"></span>e sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware deve<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt emp<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>oyee and c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>acto<span class=\"_ _0\"></span>r cost<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>ali<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on of emp<span class=\"_ _0\"></span>loyee c<span class=\"_ _0\"></span>osts i<span class=\"_ _0\"></span>s bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of ti<span class=\"_ _0\"></span>me sp<span class=\"_ _0\"></span>ent on s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>c proj<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ts whi<span class=\"_ _0\"></span>ch m<span class=\"_ _0\"></span>eet th<span class=\"_ _0\"></span>e cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia as a pr<span class=\"_ _1\"></span>opor<span class=\"_ _0\"></span>tion o<span class=\"_ _1\"></span>f their<span class=\"_ _1\"></span> tot<span class=\"_ _1\"></span>al time<span class=\"_ _1\"></span>, and thi<span class=\"_ _1\"></span>s proportion of the<span class=\"_ _0\"></span>ir s<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y-re<span class=\"_ _0\"></span>lated c<span class=\"_ _0\"></span>osts i<span class=\"_ _0\"></span>s att<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>uted to th<span class=\"_ _0\"></span>e applicable<span class=\"_ _1\"></span> projects.<span class=\"_ _2d6\"> </span>Ot<span class=\"_ _0\"></span>her d<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent expe<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ture t<span class=\"_ _0\"></span>hat do<span class=\"_ _0\"></span>es not m<span class=\"_ _0\"></span>eet the<span class=\"_ _0\"></span>se cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e as in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. Dev<span class=\"_ _1\"></span>elopment<span class=\"_ _1\"></span> costs pr<span class=\"_ _1\"></span>eviou<span class=\"_ _1\"></span>sly recogni<span class=\"_ _1\"></span>sed as a<span class=\"_ _1\"></span>n expe<span class=\"_ _1\"></span>nse are not re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as an a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>n a sub<span class=\"_ _0\"></span>seq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nt pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>Capitali<span class=\"_ _1\"></span>sed dev<span class=\"_ _1\"></span>elopment<span class=\"_ _1\"></span> costs<span class=\"_ _1\"></span> are r<span class=\"_ _1\"></span>ecorded as<span class=\"_ _1\"></span> intangi<span class=\"_ _1\"></span>ble ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d from t<span class=\"_ _0\"></span>he po<span class=\"_ _0\"></span>int at w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h the a<span class=\"_ _0\"></span>sset is rea<span class=\"_ _0\"></span>dy for us<span class=\"_ _0\"></span>e over the<span class=\"_ _0\"></span>ir es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ated usef<span class=\"_ _0\"></span>ul li<span class=\"_ _0\"></span>ves, ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ing from t<span class=\"_ _0\"></span>hre<span class=\"_ _0\"></span>e to five yea<span class=\"_ _0\"></span>rs. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForResearchAndDevelopmentExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-369": {
   "value": "T<span class=\"_ _5\"></span>a<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le f<span class=\"_ _0\"></span>ixed a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span>T<span class=\"_ _5\"></span>a<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ixed as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>re stated at c<span class=\"_ _0\"></span>ost le<span class=\"_ _0\"></span>ss d<span class=\"_ _0\"></span>epre<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n and an<span class=\"_ _1\"></span>y pro<span class=\"_ _1\"></span>vision<span class=\"_ _1\"></span> for im<span class=\"_ _1\"></span>pairment.<span class=\"_ _1\"></span> Depreciati<span class=\"_ _1\"></span>on is pr<span class=\"_ _1\"></span>ovided on a<span class=\"_ _0\"></span>ll ta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>xed ass<span class=\"_ _0\"></span>ets, at rates c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lated to wr<span class=\"_ _0\"></span>ite off the c<span class=\"_ _0\"></span>ost l<span class=\"_ _0\"></span>ess e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated res<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al va<span class=\"_ _0\"></span>lue of e<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>h ass<span class=\"_ _0\"></span>et on a str<span class=\"_ _0\"></span>aig<span class=\"_ _0\"></span>ht-lin<span class=\"_ _0\"></span>e bas<span class=\"_ _0\"></span>is over its exp<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d usefu<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>fe, as foll<span class=\"_ _0\"></span>ows:<span class=\"_ _2d6\"> </span>Computer<span class=\"_ _1\"></span> equipment <span class=\"_ _a8\"> </span>1\u2013<span class=\"_ _0\"></span>3 y<span class=\"_ _1\"></span>ears Furn<span class=\"_ _0\"></span>iture a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>ix<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>s <span class=\"_ _153\"> </span>3<span class=\"_ _0\"></span>\u2013<span class=\"_ _2\"></span>5 years<span class=\"_ _2d6\"> </span>Lea<span class=\"_ _1\"></span>sehold impro<span class=\"_ _1\"></span>vements<span class=\"_ _1\"></span> that qualify f<span class=\"_ _1\"></span>or recogni<span class=\"_ _1\"></span>tion as an as<span class=\"_ _0\"></span>set a<span class=\"_ _0\"></span>re mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at cos<span class=\"_ _0\"></span>t and a<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>sente<span class=\"_ _0\"></span>d as par<span class=\"_ _2\"></span>t of prope<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, pl<span class=\"_ _0\"></span>ant an<span class=\"_ _0\"></span>d eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>he no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent assets<span class=\"_ _1\"></span> section on the balance<span class=\"_ _1\"></span> sheet. Depreciation<span class=\"_ _1\"></span> on l<span class=\"_ _0\"></span>ease<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>ld i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rovement<span class=\"_ _0\"></span>s is ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e str<span class=\"_ _0\"></span>aig<span class=\"_ _0\"></span>ht-lin<span class=\"_ _0\"></span>e meth<span class=\"_ _0\"></span>od over t<span class=\"_ _0\"></span>he le<span class=\"_ _0\"></span>ase ter<span class=\"_ _0\"></span>m.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-412": {
   "value": "T<span class=\"_ _5\"></span>a<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ixed as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>re stated at c<span class=\"_ _0\"></span>ost le<span class=\"_ _0\"></span>ss d<span class=\"_ _0\"></span>epre<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n and an<span class=\"_ _1\"></span>y pro<span class=\"_ _1\"></span>vision<span class=\"_ _1\"></span> for im<span class=\"_ _1\"></span>pairment.<span class=\"_ _1\"></span> Depreciati<span class=\"_ _1\"></span>on is pr<span class=\"_ _1\"></span>ovided on a<span class=\"_ _0\"></span>ll ta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>xed ass<span class=\"_ _0\"></span>ets, at rates c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lated to wr<span class=\"_ _0\"></span>ite off the c<span class=\"_ _0\"></span>ost l<span class=\"_ _0\"></span>ess e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated res<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al va<span class=\"_ _0\"></span>lue of e<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>h ass<span class=\"_ _0\"></span>et on a str<span class=\"_ _0\"></span>aig<span class=\"_ _0\"></span>ht-lin<span class=\"_ _0\"></span>e bas<span class=\"_ _0\"></span>is over its exp<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d usefu<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>fe, as foll<span class=\"_ _0\"></span>ows:<span class=\"_ _2d6\"> </span>Computer<span class=\"_ _1\"></span> equipment <span class=\"_ _a8\"> </span>1\u2013<span class=\"_ _0\"></span>3 y<span class=\"_ _1\"></span>ears Furn<span class=\"_ _0\"></span>iture a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>ix<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>s <span class=\"_ _153\"> </span>3<span class=\"_ _0\"></span>\u2013<span class=\"_ _2\"></span>5 years<span class=\"_ _2d6\"> </span>Lea<span class=\"_ _1\"></span>sehold impro<span class=\"_ _1\"></span>vements<span class=\"_ _1\"></span> that qualify f<span class=\"_ _1\"></span>or recogni<span class=\"_ _1\"></span>tion as an as<span class=\"_ _0\"></span>set a<span class=\"_ _0\"></span>re mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at cos<span class=\"_ _0\"></span>t and a<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>sente<span class=\"_ _0\"></span>d as par<span class=\"_ _2\"></span>t of prope<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, pl<span class=\"_ _0\"></span>ant an<span class=\"_ _0\"></span>d eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>he no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent assets<span class=\"_ _1\"></span> section on the balance<span class=\"_ _1\"></span> sheet. Depreciation<span class=\"_ _1\"></span> on l<span class=\"_ _0\"></span>ease<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>ld i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rovement<span class=\"_ _0\"></span>s is ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e str<span class=\"_ _0\"></span>aig<span class=\"_ _0\"></span>ht-lin<span class=\"_ _0\"></span>e meth<span class=\"_ _0\"></span>od over t<span class=\"_ _0\"></span>he le<span class=\"_ _0\"></span>ase ter<span class=\"_ _0\"></span>m.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-441": {
   "value": "Impairment<span class=\"_ _1\"></span> of tangible<span class=\"_ _1\"></span> and intangible<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span>Inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets th<span class=\"_ _0\"></span>at have an in<span class=\"_ _0\"></span>def<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>te usefu<span class=\"_ _0\"></span>l life o<span class=\"_ _0\"></span>r inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets not re<span class=\"_ _0\"></span>ady to use a<span class=\"_ _0\"></span>re not s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to amortisation and<span class=\"_ _1\"></span> are t<span class=\"_ _1\"></span>ested<span class=\"_ _1\"></span> annually f<span class=\"_ _1\"></span>or impairment. As<span class=\"_ _0\"></span>sets th<span class=\"_ _0\"></span>at are su<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>ct to am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>isat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>re reviewe<span class=\"_ _0\"></span>d for im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent wh<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ever events or c<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s in circ<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>ces i<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>icate th<span class=\"_ _0\"></span>at the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt may not be re<span class=\"_ _0\"></span>covera<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e. An i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>nt los<span class=\"_ _0\"></span>s is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d for the amo<span class=\"_ _0\"></span>unt by wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the as<span class=\"_ _0\"></span>set<span class=\"_ _2\"></span>\u2019s carr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt excee<span class=\"_ _0\"></span>ds its reco<span class=\"_ _1\"></span>verable amoun<span class=\"_ _1\"></span>t. Rec<span class=\"_ _0\"></span>overab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt is t<span class=\"_ _0\"></span>he hi<span class=\"_ _0\"></span>gh<span class=\"_ _0\"></span>er of fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue l<span class=\"_ _0\"></span>ess cost<span class=\"_ _0\"></span>s to sel<span class=\"_ _0\"></span>l and va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e in us<span class=\"_ _0\"></span>e. In a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e in us<span class=\"_ _0\"></span>e, the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated fu<span class=\"_ _0\"></span>ture c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows a<span class=\"_ _0\"></span>re dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted to the<span class=\"_ _0\"></span>ir pres<span class=\"_ _0\"></span>ent va<span class=\"_ _0\"></span>lue u<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng a pre<span class=\"_ _0\"></span>-ta<span class=\"_ _0\"></span>x disc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rate that ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts cur<span class=\"_ _0\"></span>rent m<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ket asses<span class=\"_ _0\"></span>sm<span class=\"_ _0\"></span>ents of t<span class=\"_ _0\"></span>he ti<span class=\"_ _0\"></span>me val<span class=\"_ _0\"></span>ue of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey and t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isks s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c to the as<span class=\"_ _0\"></span>set for wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ates of futu<span class=\"_ _0\"></span>re cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows have not b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n adj<span class=\"_ _0\"></span>usted<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>If th<span class=\"_ _0\"></span>e recover<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of an as<span class=\"_ _0\"></span>set (or CG<span class=\"_ _0\"></span>U) is esti<span class=\"_ _0\"></span>mated to be l<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s tha<span class=\"_ _0\"></span>n its c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt, the ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et (or CGU) i<span class=\"_ _0\"></span>s redu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d to its rec<span class=\"_ _0\"></span>overab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt. A<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d immediat<span class=\"_ _1\"></span>ely in t<span class=\"_ _1\"></span>he stat<span class=\"_ _1\"></span>ement o<span class=\"_ _1\"></span>f comprehens<span class=\"_ _1\"></span>ive income<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>A previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>nt los<span class=\"_ _0\"></span>s is rever<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d on<span class=\"_ _0\"></span>ly if th<span class=\"_ _0\"></span>ere h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en a c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mates us<span class=\"_ _0\"></span>ed to determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e the a<span class=\"_ _0\"></span>sset<span class=\"_ _2\"></span>\u2019s recovera<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e amo<span class=\"_ _0\"></span>unt s<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>e the l<span class=\"_ _0\"></span>ast im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss was re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d. If t<span class=\"_ _0\"></span>his was t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ase,<span class=\"_ _2d6\"> </span>the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of the as<span class=\"_ _0\"></span>set (or C<span class=\"_ _0\"></span>GU) is i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>d to the revis<span class=\"_ _0\"></span>ed e<span class=\"_ _0\"></span>stim<span class=\"_ _0\"></span>ate of its rec<span class=\"_ _0\"></span>overab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt, b<span class=\"_ _0\"></span>ut so th<span class=\"_ _0\"></span>at the i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unt d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot exceed the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt that wo<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d have bee<span class=\"_ _0\"></span>n deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned had n<span class=\"_ _0\"></span>o im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed for th<span class=\"_ _0\"></span>e as<span class=\"_ _0\"></span>set (or CGU) i<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r year<span class=\"_ _0\"></span>s. A revers<span class=\"_ _0\"></span>al of a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>s recogni<span class=\"_ _1\"></span>sed immedia<span class=\"_ _1\"></span>tely<span class=\"_ _1\"></span> in pro<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>it or<span class=\"_ _1\"></span> loss<span class=\"_ _2d6\"> </span>Impairment<span class=\"_ _1\"></span> of financial<span class=\"_ _1\"></span> assets h<span class=\"_ _1\"></span>eld at amortised<span class=\"_ _1\"></span> cost<span class=\"_ _2d6\"> </span>The Gr<span class=\"_ _1\"></span>oup applies the<span class=\"_ _1\"></span> impairment requir<span class=\"_ _1\"></span>ements o<span class=\"_ _1\"></span>f IFR<span class=\"_ _0\"></span>S 9. The I<span class=\"_ _0\"></span>FRS 9 im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>irm<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>res a th<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>-<span class=\"_ _2d6\"> </span>stage appr<span class=\"_ _1\"></span>oach: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 1 in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>at have not </span></span>had a s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k sin<span class=\"_ _0\"></span>ce i<span class=\"_ _0\"></span>niti<span class=\"_ _0\"></span>al rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>r that h<span class=\"_ _0\"></span>ave low cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk at t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>por<span class=\"_ _2\"></span>ting date. For th<span class=\"_ _0\"></span>ese a<span class=\"_ _0\"></span>ssets<span class=\"_ _0\"></span>, 12<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>mont<span class=\"_ _0\"></span>h expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit los<span class=\"_ _0\"></span>ses (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>ECL<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u201d) (that i<span class=\"_ _0\"></span>s, expe<span class=\"_ _0\"></span>cted l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng f<span class=\"_ _0\"></span>rom the r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of defau<span class=\"_ _0\"></span>lt in t<span class=\"_ _0\"></span>he nex<span class=\"_ _0\"></span>t 12 month<span class=\"_ _0\"></span>s) are reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d and i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e is ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated on th<span class=\"_ _0\"></span>e gros<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e as<span class=\"_ _0\"></span>set (that is<span class=\"_ _0\"></span>, wit<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>t ded<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e)<span class=\"_ _1\"></span>.  <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 2 in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>at have had a </span></span>significant increa<span class=\"_ _1\"></span>se in credit risk<span class=\"_ _1\"></span> since initial recognition (unle<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>ey have low cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k at the r<span class=\"_ _0\"></span>epo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date) but a<span class=\"_ _0\"></span>re not c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>red. Fo<span class=\"_ _0\"></span>r the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets, l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs (th<span class=\"_ _0\"></span>at is, exp<span class=\"_ _0\"></span>ected l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g from t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isk of defau<span class=\"_ _0\"></span>lt over th<span class=\"_ _0\"></span>e life of th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent) are rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d, an<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e is st<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lated o<span class=\"_ _0\"></span>n the g<span class=\"_ _0\"></span>ross c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>re has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n a si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k if o<span class=\"_ _0\"></span>utst<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unts o<span class=\"_ _0\"></span>n the f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets exceed 3<span class=\"_ _0\"></span>0 days pas<span class=\"_ _0\"></span>t due, i<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e rebu<span class=\"_ _0\"></span>tta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e pres<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n pe<span class=\"_ _0\"></span>r IFRS 9, o<span class=\"_ _0\"></span>r if a li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t is late, or has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n frozen due to an i<span class=\"_ _0\"></span>dent<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease i<span class=\"_ _0\"></span>n ri<span class=\"_ _0\"></span>sk suc<span class=\"_ _0\"></span>h as b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>ate on a thi<span class=\"_ _0\"></span>rd pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty d<span class=\"_ _0\"></span>ebt at wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h po<span class=\"_ _0\"></span>int th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to be s<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 2. <span class=\"_ _1d\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff1a fc5 ls5d ws111\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e <span class=\"_ _1\"></span>3 con<span class=\"_ _0\"></span>sist<span class=\"_ _0\"></span>s <span class=\"_ _1\"></span>of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l assets that are <span class=\"_ _1\"></span>c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-\u200aimpa<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d,<span class=\"_ _2d6\"> </span></span></span>whi<span class=\"_ _0\"></span>ch is w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re events th<span class=\"_ _0\"></span>at have a detri<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>ntal<span class=\"_ _0\"></span> im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t on th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated f<span class=\"_ _0\"></span>uture c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>et have occ<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>red. Fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>ese as<span class=\"_ _0\"></span>sets, l<span class=\"_ _0\"></span>ifeti<span class=\"_ _0\"></span>me EC<span class=\"_ _0\"></span>Ls are a<span class=\"_ _0\"></span>lso re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed, b<span class=\"_ _0\"></span>ut i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lated on th<span class=\"_ _0\"></span>e net c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt (that is, n<span class=\"_ _0\"></span>et of the EC<span class=\"_ _0\"></span>L al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce). The Gro<span class=\"_ _0\"></span>up def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es a defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t, cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s sta<span class=\"_ _0\"></span>ge 3, as a<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>et wit<span class=\"_ _0\"></span>h any out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts exceed<span class=\"_ _0\"></span>ing a 9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>day du<span class=\"_ _0\"></span>e date, whi<span class=\"_ _0\"></span>ch ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e poi<span class=\"_ _0\"></span>nt at whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>ted. A<span class=\"_ _0\"></span>n acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt that is d<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>d to be fra<span class=\"_ _0\"></span>udu<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nt (i.e. t<span class=\"_ _0\"></span>hir<span class=\"_ _0\"></span>d par<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion f<span class=\"_ _0\"></span>rau<span class=\"_ _0\"></span>d) is wr<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ten of<span class=\"_ _0\"></span>f at po<span class=\"_ _0\"></span>int of id<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">I<span class=\"_ _0\"></span>n som<span class=\"_ _0\"></span>e ci<span class=\"_ _0\"></span>rcu<span class=\"_ _0\"></span>msta<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s whe<span class=\"_ _0\"></span>re as<span class=\"_ _0\"></span>sets are b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght </span></span>bac<span class=\"_ _0\"></span>k by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated wit<span class=\"_ _0\"></span>h the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e meet<span class=\"_ _0\"></span>s the d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion of p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r originat<span class=\"_ _1\"></span>ed credit<span class=\"_ _1\"></span>-impaired<span class=\"_ _1\"></span> (\u201c<span class=\"_ _0\"></span>POCI<span class=\"_ _0\"></span>\u201d)<span class=\"_ _1\"></span>, and impairmen<span class=\"_ _1\"></span>t is th<span class=\"_ _0\"></span>erefore b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses o<span class=\"_ _0\"></span>n a for<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>d-l<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s the expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith i<span class=\"_ _0\"></span>ts f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial as<span class=\"_ _0\"></span>sets ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ied at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es a l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for su<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es at eac<span class=\"_ _0\"></span>h rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g date. The m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent of ECL<span class=\"_ _0\"></span>s refl<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cts: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">an unbiased<span class=\"_ _1\"></span> and probability<span class=\"_ _1\"></span>-weight<span class=\"_ _1\"></span>ed amount<span class=\"_ _1\"></span> </span></span>that is d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed by eval<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>ng a ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e of possible outcomes<span class=\"_ _1\"></span>; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e ti<span class=\"_ _0\"></span>me val<span class=\"_ _0\"></span>ue of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey; and</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsa ws9\">reasona<span class=\"_ _1\"></span>ble and supportable<span class=\"_ _1\"></span> info<span class=\"_ _1\"></span>rmation t<span class=\"_ _1\"></span>hat is<span class=\"_ _1\"></span> </span></span>avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>tho<span class=\"_ _0\"></span>ut un<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>e cost o<span class=\"_ _0\"></span>r ef<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>t at th<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date abo<span class=\"_ _0\"></span>ut pa<span class=\"_ _0\"></span>st events, cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d for<span class=\"_ _1\"></span>ecasts<span class=\"_ _1\"></span> of fut<span class=\"_ _1\"></span>ure econ<span class=\"_ _1\"></span>omic conditi<span class=\"_ _1\"></span>ons.<span class=\"_ _2d6\"> </span>If in a s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ent p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt los<span class=\"_ _0\"></span>s de<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e dec<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>lated obj<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ivel<span class=\"_ _0\"></span>y to an event occ<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng af<span class=\"_ _0\"></span>ter th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent was<span class=\"_ _1\"></span> recognised, the pr<span class=\"_ _1\"></span>eviously recognised impairment<span class=\"_ _1\"></span> los<span class=\"_ _0\"></span>s is rever<span class=\"_ _0\"></span>sed, to th<span class=\"_ _0\"></span>e extent th<span class=\"_ _0\"></span>at the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of the as<span class=\"_ _0\"></span>set d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot exceed i<span class=\"_ _0\"></span>ts am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t at the rever<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>l date. Any su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>nt revers<span class=\"_ _0\"></span>al of a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of comprehensi<span class=\"_ _1\"></span>ve income.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-371": {
   "value": "Impairment<span class=\"_ _1\"></span> of tangible<span class=\"_ _1\"></span> and intangible<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span>Inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets th<span class=\"_ _0\"></span>at have an in<span class=\"_ _0\"></span>def<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>te usefu<span class=\"_ _0\"></span>l life o<span class=\"_ _0\"></span>r inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets not re<span class=\"_ _0\"></span>ady to use a<span class=\"_ _0\"></span>re not s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to amortisation and<span class=\"_ _1\"></span> are t<span class=\"_ _1\"></span>ested<span class=\"_ _1\"></span> annually f<span class=\"_ _1\"></span>or impairment. As<span class=\"_ _0\"></span>sets th<span class=\"_ _0\"></span>at are su<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>ct to am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>isat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>re reviewe<span class=\"_ _0\"></span>d for im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent wh<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ever events or c<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s in circ<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>ces i<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>icate th<span class=\"_ _0\"></span>at the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt may not be re<span class=\"_ _0\"></span>covera<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e. An i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>nt los<span class=\"_ _0\"></span>s is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d for the amo<span class=\"_ _0\"></span>unt by wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the as<span class=\"_ _0\"></span>set<span class=\"_ _2\"></span>\u2019s carr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt excee<span class=\"_ _0\"></span>ds its reco<span class=\"_ _1\"></span>verable amoun<span class=\"_ _1\"></span>t. Rec<span class=\"_ _0\"></span>overab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt is t<span class=\"_ _0\"></span>he hi<span class=\"_ _0\"></span>gh<span class=\"_ _0\"></span>er of fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue l<span class=\"_ _0\"></span>ess cost<span class=\"_ _0\"></span>s to sel<span class=\"_ _0\"></span>l and va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e in us<span class=\"_ _0\"></span>e. In a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e in us<span class=\"_ _0\"></span>e, the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated fu<span class=\"_ _0\"></span>ture c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows a<span class=\"_ _0\"></span>re dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted to the<span class=\"_ _0\"></span>ir pres<span class=\"_ _0\"></span>ent va<span class=\"_ _0\"></span>lue u<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng a pre<span class=\"_ _0\"></span>-ta<span class=\"_ _0\"></span>x disc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rate that ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts cur<span class=\"_ _0\"></span>rent m<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ket asses<span class=\"_ _0\"></span>sm<span class=\"_ _0\"></span>ents of t<span class=\"_ _0\"></span>he ti<span class=\"_ _0\"></span>me val<span class=\"_ _0\"></span>ue of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey and t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isks s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c to the as<span class=\"_ _0\"></span>set for wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ates of futu<span class=\"_ _0\"></span>re cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows have not b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n adj<span class=\"_ _0\"></span>usted<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>If th<span class=\"_ _0\"></span>e recover<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of an as<span class=\"_ _0\"></span>set (or CG<span class=\"_ _0\"></span>U) is esti<span class=\"_ _0\"></span>mated to be l<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s tha<span class=\"_ _0\"></span>n its c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt, the ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et (or CGU) i<span class=\"_ _0\"></span>s redu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d to its rec<span class=\"_ _0\"></span>overab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt. A<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d immediat<span class=\"_ _1\"></span>ely in t<span class=\"_ _1\"></span>he stat<span class=\"_ _1\"></span>ement o<span class=\"_ _1\"></span>f comprehens<span class=\"_ _1\"></span>ive income<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>A previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>nt los<span class=\"_ _0\"></span>s is rever<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d on<span class=\"_ _0\"></span>ly if th<span class=\"_ _0\"></span>ere h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en a c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mates us<span class=\"_ _0\"></span>ed to determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e the a<span class=\"_ _0\"></span>sset<span class=\"_ _2\"></span>\u2019s recovera<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e amo<span class=\"_ _0\"></span>unt s<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>e the l<span class=\"_ _0\"></span>ast im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss was re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d. If t<span class=\"_ _0\"></span>his was t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ase,<span class=\"_ _2d6\"> </span>the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of the as<span class=\"_ _0\"></span>set (or C<span class=\"_ _0\"></span>GU) is i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>d to the revis<span class=\"_ _0\"></span>ed e<span class=\"_ _0\"></span>stim<span class=\"_ _0\"></span>ate of its rec<span class=\"_ _0\"></span>overab<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt, b<span class=\"_ _0\"></span>ut so th<span class=\"_ _0\"></span>at the i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unt d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot exceed the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt that wo<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d have bee<span class=\"_ _0\"></span>n deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned had n<span class=\"_ _0\"></span>o im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed for th<span class=\"_ _0\"></span>e as<span class=\"_ _0\"></span>set (or CGU) i<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r year<span class=\"_ _0\"></span>s. A revers<span class=\"_ _0\"></span>al of a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>s recogni<span class=\"_ _1\"></span>sed immedia<span class=\"_ _1\"></span>tely<span class=\"_ _1\"></span> in pro<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>it or<span class=\"_ _1\"></span> loss<span class=\"_ _2d6\"> </span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-370": {
   "value": "Leases<span class=\"_ _2d6\"> </span>At inc<span class=\"_ _0\"></span>epti<span class=\"_ _0\"></span>on of a co<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>act, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r or not a c<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>t is, o<span class=\"_ _0\"></span>r conta<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>, a lea<span class=\"_ _0\"></span>se. A c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act is<span class=\"_ _0\"></span>, or co<span class=\"_ _0\"></span>ntai<span class=\"_ _0\"></span>ns, a l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e if th<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>t co<span class=\"_ _0\"></span>nveys the rig<span class=\"_ _0\"></span>ht to contro<span class=\"_ _0\"></span>l th<span class=\"_ _0\"></span>e use of a<span class=\"_ _0\"></span>n ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>et for a pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>od of tim<span class=\"_ _0\"></span>e in excha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e for co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n a lea<span class=\"_ _0\"></span>se is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n a co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ct the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es a ri<span class=\"_ _0\"></span>ght-of-use a<span class=\"_ _0\"></span>sset a<span class=\"_ _0\"></span>nd a l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y at th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se commencement<span class=\"_ _1\"></span> dat<span class=\"_ _1\"></span>e.<span class=\"_ _2d6\"> </span>Ri<span class=\"_ _0\"></span>ght-of-use a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s are i<span class=\"_ _0\"></span>niti<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red at c<span class=\"_ _0\"></span>ost, com<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>al m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty, les<span class=\"_ _0\"></span>s any l<span class=\"_ _0\"></span>ease i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>entives<span class=\"_ _0\"></span>. Su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>ntly, right-of-us<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets are m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at c<span class=\"_ _0\"></span>ost, l<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s any acc<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ulate<span class=\"_ _0\"></span>d deprecia<span class=\"_ _1\"></span>tion and an<span class=\"_ _1\"></span>y accumula<span class=\"_ _1\"></span>ted impairmen<span class=\"_ _1\"></span>t losses,<span class=\"_ _1\"></span> and a<span class=\"_ _0\"></span>re ad<span class=\"_ _0\"></span>jus<span class=\"_ _0\"></span>ted for ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n rem<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ents of t<span class=\"_ _0\"></span>he le<span class=\"_ _0\"></span>ase lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. D<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>iati<span class=\"_ _0\"></span>on is c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lated o<span class=\"_ _0\"></span>n a stra<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ht-lin<span class=\"_ _0\"></span>e bas<span class=\"_ _0\"></span>is over the l<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>gth of th<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase.<span class=\"_ _2d6\"> </span>Liab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>ing f<span class=\"_ _0\"></span>rom a l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e are in<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red o<span class=\"_ _0\"></span>n a pres<span class=\"_ _0\"></span>ent va<span class=\"_ _0\"></span>lue b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s. Leas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lud<span class=\"_ _0\"></span>e the n<span class=\"_ _0\"></span>et pres<span class=\"_ _0\"></span>ent va<span class=\"_ _0\"></span>lue of t<span class=\"_ _0\"></span>he fol<span class=\"_ _0\"></span>lowi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e payme<span class=\"_ _0\"></span>nts: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>ixed p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts les<span class=\"_ _0\"></span>s any le<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>entives r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">va<span class=\"_ _0\"></span>ria<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase pay<span class=\"_ _0\"></span>ments b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on a<span class=\"_ _0\"></span>n in<span class=\"_ _0\"></span>dex or a </span></span>rate, ini<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>d usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>dex or r<span class=\"_ _0\"></span>ate at the commencement<span class=\"_ _1\"></span> dat<span class=\"_ _1\"></span>e; and <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts expe<span class=\"_ _0\"></span>cted to be p<span class=\"_ _0\"></span>ayabl<span class=\"_ _0\"></span>e by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p un<span class=\"_ _0\"></span>der </span></span>residual<span class=\"_ _1\"></span> value guarant<span class=\"_ _1\"></span>ee.<span class=\"_ _2d6\"> </span>The l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e paym<span class=\"_ _0\"></span>ents are d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nted usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e intere<span class=\"_ _0\"></span>st rate imp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>t in th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se. If t<span class=\"_ _0\"></span>hat rate ca<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>ot be rea<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ly determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed, th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup<span class=\"_ _0\"></span>\u2019s in<span class=\"_ _0\"></span>crem<span class=\"_ _0\"></span>enta<span class=\"_ _0\"></span>l bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g rate is use<span class=\"_ _0\"></span>d, whi<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>s the r<span class=\"_ _0\"></span>ate that the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up wou<span class=\"_ _0\"></span>ld h<span class=\"_ _0\"></span>ave t<span class=\"_ _1\"></span>o pay to bor<span class=\"_ _0\"></span>row th<span class=\"_ _0\"></span>e fun<span class=\"_ _0\"></span>ds ne<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y to obtai<span class=\"_ _0\"></span>n an as<span class=\"_ _0\"></span>set of sim<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ar val<span class=\"_ _0\"></span>ue to th<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>ght-of-use a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>n a si<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>lar economic en<span class=\"_ _1\"></span>vironment<span class=\"_ _1\"></span> with similar<span class=\"_ _1\"></span> terms,<span class=\"_ _1\"></span> security and condit<span class=\"_ _1\"></span>ions.<span class=\"_ _2d6\"> </span>T<span class=\"_ _5\"></span>o d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e the i<span class=\"_ _0\"></span>ncr<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>ntal b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ng rate, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up:  <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">wh<span class=\"_ _0\"></span>ere p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le, us<span class=\"_ _0\"></span>es rec<span class=\"_ _0\"></span>ent th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ing </span></span>rec<span class=\"_ _0\"></span>eived by t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>div<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ee as a s<span class=\"_ _0\"></span>tar<span class=\"_ _2\"></span>ting p<span class=\"_ _0\"></span>oint<span class=\"_ _0\"></span>, adj<span class=\"_ _0\"></span>usted to ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ct ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ng co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns since third party financing was receiv<span class=\"_ _1\"></span>ed; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">us<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>n app<span class=\"_ _0\"></span>roa<span class=\"_ _0\"></span>ch ta<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he ri<span class=\"_ _0\"></span>sk-free intere<span class=\"_ _0\"></span>st rate </span></span>adj<span class=\"_ _0\"></span>usted fo<span class=\"_ _0\"></span>r cred<span class=\"_ _0\"></span>it r<span class=\"_ _0\"></span>isk for l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es he<span class=\"_ _0\"></span>ld by Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e Holdings<span class=\"_ _1\"></span> plc; and <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">ma<span class=\"_ _0\"></span>kes adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts sp<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c to the l<span class=\"_ _0\"></span>ease fo<span class=\"_ _0\"></span>r term, </span></span>country and<span class=\"_ _1\"></span> currency<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>ntly<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he le<span class=\"_ _0\"></span>ase l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y is me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red by inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt to refle<span class=\"_ _0\"></span>ct intere<span class=\"_ _0\"></span>st on the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d red<span class=\"_ _0\"></span>uci<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>t by the l<span class=\"_ _0\"></span>ease p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts mad<span class=\"_ _0\"></span>e. The l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y a<span class=\"_ _0\"></span>nd r<span class=\"_ _0\"></span>ight-of-us<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et are remeas<span class=\"_ _1\"></span>ured when th<span class=\"_ _1\"></span>ere is a<span class=\"_ _1\"></span> lease modificat<span class=\"_ _1\"></span>ion.<span class=\"_ _2d6\"> </span>Lease p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts are al<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>cate<span class=\"_ _0\"></span>d bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nce c<span class=\"_ _0\"></span>ost. T<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e cos<span class=\"_ _0\"></span>t is ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ed to prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s over the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>od so a<span class=\"_ _0\"></span>s to produ<span class=\"_ _0\"></span>ce a c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>tant pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>c rate of interest o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e rema<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e of the lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y for ea<span class=\"_ _0\"></span>ch p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is expo<span class=\"_ _0\"></span>sed to p<span class=\"_ _0\"></span>otentia<span class=\"_ _0\"></span>l futu<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e payme<span class=\"_ _0\"></span>nts ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n an i<span class=\"_ _0\"></span>ndex o<span class=\"_ _0\"></span>r rate, whi<span class=\"_ _0\"></span>ch are not i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ded i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty u<span class=\"_ _0\"></span>ntil t<span class=\"_ _0\"></span>hey ta<span class=\"_ _0\"></span>ke effect<span class=\"_ _0\"></span>. Wh<span class=\"_ _0\"></span>en a<span class=\"_ _0\"></span>dju<span class=\"_ _0\"></span>stme<span class=\"_ _0\"></span>nts to lea<span class=\"_ _0\"></span>se paym<span class=\"_ _0\"></span>ents b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on a<span class=\"_ _0\"></span>n in<span class=\"_ _0\"></span>dex or rate ta<span class=\"_ _0\"></span>ke effect<span class=\"_ _0\"></span>, the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y is re<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>nd adj<span class=\"_ _0\"></span>usted a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>inst t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>ight-of-u<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>set. Ex<span class=\"_ _0\"></span>tens<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>nd ter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns are i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ded i<span class=\"_ _0\"></span>n a num<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r of pro<span class=\"_ _0\"></span>per<span class=\"_ _2\"></span>ty le<span class=\"_ _0\"></span>ases i<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up. Ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>gem<span class=\"_ _0\"></span>ent con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s the fa<span class=\"_ _0\"></span>cts a<span class=\"_ _0\"></span>nd ci<span class=\"_ _0\"></span>rcu<span class=\"_ _0\"></span>msta<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s that m<span class=\"_ _0\"></span>ay create an e<span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>ic in<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ntive to exercise a<span class=\"_ _0\"></span>n exten<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n or term<span class=\"_ _0\"></span>inat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on in o<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>r to determ<span class=\"_ _0\"></span>ine w<span class=\"_ _0\"></span>heth<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se ter<span class=\"_ _0\"></span>m sho<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de o<span class=\"_ _0\"></span>r exclud<span class=\"_ _0\"></span>e su<span class=\"_ _0\"></span>ch o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns. Ex<span class=\"_ _0\"></span>tens<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>r ter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n opti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re on<span class=\"_ _0\"></span>ly i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>ease ter<span class=\"_ _0\"></span>m if t<span class=\"_ _0\"></span>hey are re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in to be exerci<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>e of extens<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n opti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd n<span class=\"_ _0\"></span>ot exercise<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ase of ter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>natio<span class=\"_ _0\"></span>n opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>Considera<span class=\"_ _1\"></span>tions include: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">if l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>proveme<span class=\"_ _0\"></span>nts are exp<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d to have </span></span>sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cant va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e at the e<span class=\"_ _0\"></span>nd of th<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase ter<span class=\"_ _0\"></span>m; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>osts o<span class=\"_ _0\"></span>r bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess d<span class=\"_ _0\"></span>isr<span class=\"_ _0\"></span>upt<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of </span></span>rep<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g a lea<span class=\"_ _0\"></span>se; and <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant pe<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>es in<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>n or<span class=\"_ _0\"></span>der to term<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ate.<span class=\"_ _2d6\"> </span></span></span>Lease ter<span class=\"_ _0\"></span>ms are r<span class=\"_ _0\"></span>eass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>f the o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n is exerci<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d or if a sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cant event o<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>urs w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt of reas<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nty.<span class=\"_ _2d6\"> </span>The Group<span class=\"_ _1\"></span> ap<span class=\"_ _0\"></span>plies the<span class=\"_ _1\"></span> sho<span class=\"_ _0\"></span>rt-t<span class=\"_ _1\"></span>erm lease r<span class=\"_ _1\"></span>ecognition exemptio<span class=\"_ _0\"></span>n to its s<span class=\"_ _0\"></span>hor<span class=\"_ _2\"></span>t<span class=\"_ _1\"></span>-ter<span class=\"_ _0\"></span>m leas<span class=\"_ _0\"></span>es of ma<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d eq<span class=\"_ _0\"></span>uip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt (i.e. th<span class=\"_ _0\"></span>ose l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>at have a leas<span class=\"_ _0\"></span>e term of 12 months o<span class=\"_ _0\"></span>r le<span class=\"_ _0\"></span>ss fro<span class=\"_ _0\"></span>m the c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt date and d<span class=\"_ _0\"></span>o not co<span class=\"_ _0\"></span>ntai<span class=\"_ _0\"></span>n a pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>. It a<span class=\"_ _0\"></span>lso a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se of low val<span class=\"_ _0\"></span>ue a<span class=\"_ _0\"></span>ssets r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on exempt<span class=\"_ _0\"></span>ion to l<span class=\"_ _0\"></span>ease<span class=\"_ _0\"></span>s of off<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent th<span class=\"_ _0\"></span>at are co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d of low va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e. Lease paym<span class=\"_ _0\"></span>ents o<span class=\"_ _0\"></span>n sho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t-term le<span class=\"_ _0\"></span>ases a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es of low va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets are re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d as expe<span class=\"_ _0\"></span>nses o<span class=\"_ _0\"></span>n a str<span class=\"_ _0\"></span>aig<span class=\"_ _0\"></span>ht-li<span class=\"_ _0\"></span>ne bas<span class=\"_ _0\"></span>is over the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e term<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up i<span class=\"_ _0\"></span>s an inter<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ate less<span class=\"_ _0\"></span>or<span class=\"_ _1\"></span>, e<span class=\"_ _0\"></span>nteri<span class=\"_ _0\"></span>ng into a sub<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ase, it a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unts fo<span class=\"_ _0\"></span>r the h<span class=\"_ _0\"></span>ead l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e and t<span class=\"_ _0\"></span>he su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e sep<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ately<span class=\"_ _1\"></span>. T<span class=\"_ _0\"></span>he su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ease i<span class=\"_ _0\"></span>s cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied a<span class=\"_ _0\"></span>s a fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>r op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ing l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e by referenc<span class=\"_ _0\"></span>e to the r<span class=\"_ _0\"></span>ight-of-u<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>set ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng fro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e hea<span class=\"_ _0\"></span>d lea<span class=\"_ _0\"></span>se. Re<span class=\"_ _0\"></span>ntal i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ome f<span class=\"_ _0\"></span>rom o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng lea<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d on a s<span class=\"_ _0\"></span>tra<span class=\"_ _0\"></span>ight-l<span class=\"_ _0\"></span>ine b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s over the lea<span class=\"_ _0\"></span>se ter<span class=\"_ _0\"></span>m and t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p retai<span class=\"_ _0\"></span>ns the r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ht-of-use as<span class=\"_ _0\"></span>set der<span class=\"_ _0\"></span>iv<span class=\"_ _0\"></span>ing f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>e hea<span class=\"_ _0\"></span>d le<span class=\"_ _0\"></span>ase a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e balance sheet.<span class=\"_ _2d6\"> </span>Am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts due f<span class=\"_ _0\"></span>rom l<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ees u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>es e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent to the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up\u2019s net invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se an<span class=\"_ _0\"></span>d the r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ht-of-use as<span class=\"_ _0\"></span>set from t<span class=\"_ _0\"></span>he he<span class=\"_ _0\"></span>ad l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e is de<span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d. A<span class=\"_ _0\"></span>ny dif<span class=\"_ _0\"></span>feren<span class=\"_ _0\"></span>ce resu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>ng fro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e dere<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>itio<span class=\"_ _0\"></span>n of th<span class=\"_ _0\"></span>e rig<span class=\"_ _0\"></span>ht-of-use ass<span class=\"_ _0\"></span>et and r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e sub<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ase is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated statem<span class=\"_ _0\"></span>ent of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inco<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>. The h<span class=\"_ _0\"></span>ead l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y rem<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ns on th<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce s<span class=\"_ _0\"></span>heet a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>inu<span class=\"_ _0\"></span>es to be r<span class=\"_ _1\"></span>ecognised,<span class=\"_ _1\"></span> while int<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span>t income i<span class=\"_ _1\"></span>s recognis<span class=\"_ _1\"></span>ed from<span class=\"_ _1\"></span> the sublease.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-372": {
   "value": "Consolidation<span class=\"_ _1\"></span> of special purpose<span class=\"_ _1\"></span> vehicles (\u201cSPV<span class=\"_ _1\"></span>s\u201d)<span class=\"_ _2d6\"> </span>Subsidiari<span class=\"_ _0\"></span>es are those en<span class=\"_ _1\"></span>tities, inc<span class=\"_ _0\"></span>luding stru<span class=\"_ _0\"></span>ctured vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es, over wh<span class=\"_ _0\"></span>ich t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l. Th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up cont<span class=\"_ _0\"></span>rol<span class=\"_ _0\"></span>s an ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y whe<span class=\"_ _0\"></span>n it is exp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d, or h<span class=\"_ _0\"></span>as ri<span class=\"_ _0\"></span>ghts, to var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le retu<span class=\"_ _0\"></span>rns f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>ts involve<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt with t<span class=\"_ _0\"></span>he ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d has th<span class=\"_ _0\"></span>e abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty to af<span class=\"_ _0\"></span>fect t<span class=\"_ _0\"></span>hose retu<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>s thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h its p<span class=\"_ _0\"></span>ower over the i<span class=\"_ _0\"></span>nvestee. Th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s power over a<span class=\"_ _0\"></span>n enti<span class=\"_ _0\"></span>ty whe<span class=\"_ _0\"></span>n it ha<span class=\"_ _0\"></span>s existi<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ight<span class=\"_ _0\"></span>s that g<span class=\"_ _0\"></span>ive it th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent a<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to direc<span class=\"_ _0\"></span>t the a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>ies th<span class=\"_ _0\"></span>at mos<span class=\"_ _0\"></span>t sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant<span class=\"_ _0\"></span>ly af<span class=\"_ _0\"></span>fect th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty<span class=\"_ _2\"></span>\u2019s returns. P<span class=\"_ _0\"></span>ower may be d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the b<span class=\"_ _0\"></span>asis of voting r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>hts or, in the ca<span class=\"_ _0\"></span>se of st<span class=\"_ _0\"></span>ruc<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>d enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s, othe<span class=\"_ _0\"></span>r contract<span class=\"_ _1\"></span>ual arrangements.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses wh<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er it c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>ls S<span class=\"_ _0\"></span>PVs and t<span class=\"_ _0\"></span>he requiremen<span class=\"_ _1\"></span>t t<span class=\"_ _1\"></span>o consolidat<span class=\"_ _1\"></span>e them<span class=\"_ _1\"></span> under the crit<span class=\"_ _1\"></span>eria of<span class=\"_ _1\"></span> IFR<span class=\"_ _0\"></span>S 10. Co<span class=\"_ _0\"></span>ntrol i<span class=\"_ _0\"></span>s determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed to exist i<span class=\"_ _0\"></span>f the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has the p<span class=\"_ _0\"></span>ower to dire<span class=\"_ _0\"></span>ct th<span class=\"_ _0\"></span>e act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s of eac<span class=\"_ _0\"></span>h enti<span class=\"_ _0\"></span>ty (for examp<span class=\"_ _0\"></span>le, ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce of t<span class=\"_ _0\"></span>he u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d rai<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g debt o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>ose as<span class=\"_ _0\"></span>sets w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h is us<span class=\"_ _0\"></span>ed to fun<span class=\"_ _0\"></span>d the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up) and u<span class=\"_ _0\"></span>ses t<span class=\"_ _0\"></span>his c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l to obtai<span class=\"_ _0\"></span>n a var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>le retur<span class=\"_ _0\"></span>n (for exampl<span class=\"_ _0\"></span>e, retai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e resi<span class=\"_ _0\"></span>dua<span class=\"_ _0\"></span>l ri<span class=\"_ _0\"></span>sk on t<span class=\"_ _0\"></span>he ass<span class=\"_ _0\"></span>ets)<span class=\"_ _1\"></span>. S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>res th<span class=\"_ _0\"></span>at do not m<span class=\"_ _0\"></span>eet t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e cri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a are n<span class=\"_ _0\"></span>ot treated as s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets are d<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed whe<span class=\"_ _0\"></span>n the r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>hts to the c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows h<span class=\"_ _0\"></span>ave ende<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up m<span class=\"_ _0\"></span>ana<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s the a<span class=\"_ _0\"></span>dmi<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>trat<span class=\"_ _0\"></span>ion of i<span class=\"_ _0\"></span>ts sec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d is expos<span class=\"_ _0\"></span>ed to th<span class=\"_ _0\"></span>e ris<span class=\"_ _0\"></span>ks an<span class=\"_ _0\"></span>d rewards of t<span class=\"_ _0\"></span>he un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rly<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g ass<span class=\"_ _0\"></span>ets thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h its c<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>ed investm<span class=\"_ _0\"></span>ent o<span class=\"_ _0\"></span>r whe<span class=\"_ _0\"></span>re the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up do<span class=\"_ _0\"></span>es not ret<span class=\"_ _0\"></span>ain a d<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ct owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hip i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>n an S<span class=\"_ _0\"></span>PE, bu<span class=\"_ _0\"></span>t the D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s have determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed th<span class=\"_ _0\"></span>at the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p co<span class=\"_ _0\"></span>ntro<span class=\"_ _0\"></span>ls th<span class=\"_ _0\"></span>ose ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teria of I<span class=\"_ _0\"></span>FRS 10, th<span class=\"_ _0\"></span>ey are tre<span class=\"_ _0\"></span>ated as subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>nd a<span class=\"_ _0\"></span>re co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated. S<span class=\"_ _0\"></span>ee note 29 for det<span class=\"_ _0\"></span>ail<span class=\"_ _0\"></span>s of these entities.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "fundingcircleholdingsplc:DescriptionOfAccountingPolicyForConsolidationOfSpecialPurposeVehiclesSPVs",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-413": {
   "value": "Inv<span class=\"_ _1\"></span>estment in associat<span class=\"_ _1\"></span>es<span class=\"_ _2d6\"> </span>An as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciate is a<span class=\"_ _0\"></span>n enti<span class=\"_ _0\"></span>ty over w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s significant influence.<span class=\"_ _1\"></span> Signif<span class=\"_ _0\"></span>icant in<span class=\"_ _1\"></span>flu<span class=\"_ _0\"></span>ence is<span class=\"_ _1\"></span> the power<span class=\"_ _1\"></span> to par<span class=\"_ _2\"></span>ticip<span class=\"_ _0\"></span>ate in th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g po<span class=\"_ _0\"></span>lic<span class=\"_ _0\"></span>y dec<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ons of the i<span class=\"_ _0\"></span>nvestee, but i<span class=\"_ _0\"></span>s not c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l or j<span class=\"_ _0\"></span>oint c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>ol over those policies.<span class=\"_ _1\"></span> The considerations m<span class=\"_ _1\"></span>ade in det<span class=\"_ _1\"></span>ermining sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cant i<span class=\"_ _0\"></span>nfl<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>r jo<span class=\"_ _0\"></span>int co<span class=\"_ _0\"></span>ntro<span class=\"_ _0\"></span>l are s<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r to those nec<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sar<span class=\"_ _2\"></span>y t<span class=\"_ _1\"></span>o d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>ine c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>ol over su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s investm<span class=\"_ _0\"></span>ent in i<span class=\"_ _0\"></span>ts as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iate is ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unted for u<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g the e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y meth<span class=\"_ _0\"></span>od.<span class=\"_ _2d6\"> </span>Un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ty m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d of ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g, th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ents are i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed at c<span class=\"_ _0\"></span>ost. T<span class=\"_ _0\"></span>his i<span class=\"_ _0\"></span>s adj<span class=\"_ _0\"></span>usted t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>reaf<span class=\"_ _0\"></span>ter to reco<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>re of the p<span class=\"_ _0\"></span>ost-ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>its o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s of the i<span class=\"_ _0\"></span>nvestee in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span>. The Group\u2019<span class=\"_ _1\"></span>s share<span class=\"_ _1\"></span> of<span class=\"_ _1\"></span> movemen<span class=\"_ _1\"></span>ts in o<span class=\"_ _1\"></span>ther comprehens<span class=\"_ _1\"></span>ive income<span class=\"_ _1\"></span> of the<span class=\"_ _1\"></span> investee is r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in oth<span class=\"_ _0\"></span>er c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>hen<span class=\"_ _0\"></span>sive in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me. Div<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>s rece<span class=\"_ _0\"></span>ived o<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e from a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates are rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as a re<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unt of the inv<span class=\"_ _1\"></span>estm<span class=\"_ _0\"></span>ent.<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>re of los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s in an e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y-ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unted investm<span class=\"_ _0\"></span>ent e<span class=\"_ _0\"></span>qua<span class=\"_ _0\"></span>ls o<span class=\"_ _0\"></span>r exceed<span class=\"_ _0\"></span>s its inter<span class=\"_ _0\"></span>est in t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng any oth<span class=\"_ _0\"></span>er u<span class=\"_ _0\"></span>nse<span class=\"_ _0\"></span>cure<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>-term re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>les<span class=\"_ _0\"></span>, the Gro<span class=\"_ _0\"></span>up do<span class=\"_ _0\"></span>es n<span class=\"_ _0\"></span>ot reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise f<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es, u<span class=\"_ _0\"></span>nl<span class=\"_ _0\"></span>ess i<span class=\"_ _0\"></span>t has inc<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>red o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>igat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s or ma<span class=\"_ _0\"></span>de p<span class=\"_ _0\"></span>ayment<span class=\"_ _0\"></span>s on b<span class=\"_ _0\"></span>eha<span class=\"_ _0\"></span>lf of th<span class=\"_ _0\"></span>e other<span class=\"_ _1\"></span> entity<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Unr<span class=\"_ _0\"></span>eal<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d ga<span class=\"_ _0\"></span>ins o<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ons b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ween t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p and its as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciates a<span class=\"_ _0\"></span>re el<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>nated to th<span class=\"_ _0\"></span>e extent of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s interes<span class=\"_ _0\"></span>t in th<span class=\"_ _0\"></span>ese e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>. Un<span class=\"_ _0\"></span>real<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s are al<span class=\"_ _0\"></span>so el<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>nated u<span class=\"_ _0\"></span>nl<span class=\"_ _0\"></span>ess t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n provi<span class=\"_ _0\"></span>des evi<span class=\"_ _0\"></span>den<span class=\"_ _0\"></span>ce of an im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red. Af<span class=\"_ _0\"></span>ter ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>icat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of the e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty m<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>od, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r it is n<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y to re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>e an im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss o<span class=\"_ _0\"></span>n its i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in it<span class=\"_ _0\"></span>s ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate. At eac<span class=\"_ _0\"></span>h rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ing d<span class=\"_ _0\"></span>ate, the Gro<span class=\"_ _0\"></span>up d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s whet<span class=\"_ _0\"></span>her the<span class=\"_ _0\"></span>re is an i<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n that th<span class=\"_ _0\"></span>e invest<span class=\"_ _0\"></span>ment i<span class=\"_ _0\"></span>n the a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ate is im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ired<span class=\"_ _0\"></span>. If th<span class=\"_ _0\"></span>ere is s<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>h an i<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lates th<span class=\"_ _0\"></span>e am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of imp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt as th<span class=\"_ _0\"></span>e dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n the re<span class=\"_ _0\"></span>cover<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of the as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciate an<span class=\"_ _0\"></span>d its ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>ing va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e, and t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s the l<span class=\"_ _0\"></span>oss w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>e sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Up<span class=\"_ _0\"></span>on l<span class=\"_ _0\"></span>oss of si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant inf<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce over th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s any retai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d investm<span class=\"_ _0\"></span>ent at it<span class=\"_ _0\"></span>s fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e. A<span class=\"_ _0\"></span>ny dif<span class=\"_ _0\"></span>feren<span class=\"_ _0\"></span>ce b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate upo<span class=\"_ _0\"></span>n los<span class=\"_ _0\"></span>s of si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt inf<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>e or j<span class=\"_ _0\"></span>oint c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of the ret<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed inv<span class=\"_ _1\"></span>estmen<span class=\"_ _1\"></span>t and pr<span class=\"_ _1\"></span>oceeds fr<span class=\"_ _1\"></span>om dispo<span class=\"_ _1\"></span>sal is r<span class=\"_ _1\"></span>ecognised in<span class=\"_ _1\"></span> pro<span class=\"_ _1\"></span>fit or loss.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-373": {
   "value": "Inv<span class=\"_ _1\"></span>estment in associat<span class=\"_ _1\"></span>es<span class=\"_ _2d6\"> </span>An as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciate is a<span class=\"_ _0\"></span>n enti<span class=\"_ _0\"></span>ty over w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s significant influence.<span class=\"_ _1\"></span> Signif<span class=\"_ _0\"></span>icant in<span class=\"_ _1\"></span>flu<span class=\"_ _0\"></span>ence is<span class=\"_ _1\"></span> the power<span class=\"_ _1\"></span> to par<span class=\"_ _2\"></span>ticip<span class=\"_ _0\"></span>ate in th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g po<span class=\"_ _0\"></span>lic<span class=\"_ _0\"></span>y dec<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ons of the i<span class=\"_ _0\"></span>nvestee, but i<span class=\"_ _0\"></span>s not c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l or j<span class=\"_ _0\"></span>oint c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>ol over those policies.<span class=\"_ _1\"></span> The considerations m<span class=\"_ _1\"></span>ade in det<span class=\"_ _1\"></span>ermining sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cant i<span class=\"_ _0\"></span>nfl<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>r jo<span class=\"_ _0\"></span>int co<span class=\"_ _0\"></span>ntro<span class=\"_ _0\"></span>l are s<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r to those nec<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sar<span class=\"_ _2\"></span>y t<span class=\"_ _1\"></span>o d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>ine c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>ol over su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s investm<span class=\"_ _0\"></span>ent in i<span class=\"_ _0\"></span>ts as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iate is ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unted for u<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g the e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y meth<span class=\"_ _0\"></span>od.<span class=\"_ _2d6\"> </span>Un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ty m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d of ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g, th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ents are i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed at c<span class=\"_ _0\"></span>ost. T<span class=\"_ _0\"></span>his i<span class=\"_ _0\"></span>s adj<span class=\"_ _0\"></span>usted t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>reaf<span class=\"_ _0\"></span>ter to reco<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>re of the p<span class=\"_ _0\"></span>ost-ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>isit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>its o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s of the i<span class=\"_ _0\"></span>nvestee in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span>. The Group\u2019<span class=\"_ _1\"></span>s share<span class=\"_ _1\"></span> of<span class=\"_ _1\"></span> movemen<span class=\"_ _1\"></span>ts in o<span class=\"_ _1\"></span>ther comprehens<span class=\"_ _1\"></span>ive income<span class=\"_ _1\"></span> of the<span class=\"_ _1\"></span> investee is r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in oth<span class=\"_ _0\"></span>er c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>hen<span class=\"_ _0\"></span>sive in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me. Div<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>s rece<span class=\"_ _0\"></span>ived o<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e from a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates are rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as a re<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unt of the inv<span class=\"_ _1\"></span>estm<span class=\"_ _0\"></span>ent.<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>re of los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s in an e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y-ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unted investm<span class=\"_ _0\"></span>ent e<span class=\"_ _0\"></span>qua<span class=\"_ _0\"></span>ls o<span class=\"_ _0\"></span>r exceed<span class=\"_ _0\"></span>s its inter<span class=\"_ _0\"></span>est in t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng any oth<span class=\"_ _0\"></span>er u<span class=\"_ _0\"></span>nse<span class=\"_ _0\"></span>cure<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>-term re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>les<span class=\"_ _0\"></span>, the Gro<span class=\"_ _0\"></span>up do<span class=\"_ _0\"></span>es n<span class=\"_ _0\"></span>ot reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise f<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es, u<span class=\"_ _0\"></span>nl<span class=\"_ _0\"></span>ess i<span class=\"_ _0\"></span>t has inc<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>red o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>igat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s or ma<span class=\"_ _0\"></span>de p<span class=\"_ _0\"></span>ayment<span class=\"_ _0\"></span>s on b<span class=\"_ _0\"></span>eha<span class=\"_ _0\"></span>lf of th<span class=\"_ _0\"></span>e other<span class=\"_ _1\"></span> entity<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Unr<span class=\"_ _0\"></span>eal<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d ga<span class=\"_ _0\"></span>ins o<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ons b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ween t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p and its as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciates a<span class=\"_ _0\"></span>re el<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>nated to th<span class=\"_ _0\"></span>e extent of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s interes<span class=\"_ _0\"></span>t in th<span class=\"_ _0\"></span>ese e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>. Un<span class=\"_ _0\"></span>real<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s are al<span class=\"_ _0\"></span>so el<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>nated u<span class=\"_ _0\"></span>nl<span class=\"_ _0\"></span>ess t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n provi<span class=\"_ _0\"></span>des evi<span class=\"_ _0\"></span>den<span class=\"_ _0\"></span>ce of an im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red. Af<span class=\"_ _0\"></span>ter ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>icat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of the e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty m<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>od, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r it is n<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y to re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>e an im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss o<span class=\"_ _0\"></span>n its i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in it<span class=\"_ _0\"></span>s ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate. At eac<span class=\"_ _0\"></span>h rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ing d<span class=\"_ _0\"></span>ate, the Gro<span class=\"_ _0\"></span>up d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s whet<span class=\"_ _0\"></span>her the<span class=\"_ _0\"></span>re is an i<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n that th<span class=\"_ _0\"></span>e invest<span class=\"_ _0\"></span>ment i<span class=\"_ _0\"></span>n the a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ate is im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ired<span class=\"_ _0\"></span>. If th<span class=\"_ _0\"></span>ere is s<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>h an i<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lates th<span class=\"_ _0\"></span>e am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of imp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt as th<span class=\"_ _0\"></span>e dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n the re<span class=\"_ _0\"></span>cover<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of the as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciate an<span class=\"_ _0\"></span>d its ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>ing va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e, and t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s the l<span class=\"_ _0\"></span>oss w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>e sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Up<span class=\"_ _0\"></span>on l<span class=\"_ _0\"></span>oss of si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant inf<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce over th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s any retai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d investm<span class=\"_ _0\"></span>ent at it<span class=\"_ _0\"></span>s fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e. A<span class=\"_ _0\"></span>ny dif<span class=\"_ _0\"></span>feren<span class=\"_ _0\"></span>ce b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate upo<span class=\"_ _0\"></span>n los<span class=\"_ _0\"></span>s of si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt inf<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>e or j<span class=\"_ _0\"></span>oint c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>l an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of the ret<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed inv<span class=\"_ _1\"></span>estmen<span class=\"_ _1\"></span>t and pr<span class=\"_ _1\"></span>oceeds fr<span class=\"_ _1\"></span>om dispo<span class=\"_ _1\"></span>sal is r<span class=\"_ _1\"></span>ecognised in<span class=\"_ _1\"></span> pro<span class=\"_ _1\"></span>fit or loss.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-374": {
   "value": "Financial<span class=\"_ _1\"></span> instruments<span class=\"_ _2d6\"> </span>Financial<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p deter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of its f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial ass<span class=\"_ _0\"></span>ets at in<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>al rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>e req<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts of IFR<span class=\"_ _0\"></span>S 9 for cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n and s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>re ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>ed, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>re fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets to be c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s mo<span class=\"_ _0\"></span>del fo<span class=\"_ _0\"></span>r man<span class=\"_ _0\"></span>agi<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he ass<span class=\"_ _0\"></span>et and t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>low c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>acte<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>tic<span class=\"_ _0\"></span>s of the asset: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost if </span></span>they a<span class=\"_ _0\"></span>re hel<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n a bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el, t<span class=\"_ _0\"></span>he ob<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>ctive of whi<span class=\"_ _0\"></span>ch is to ho<span class=\"_ _0\"></span>ld f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets in o<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>r to col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ct cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows, an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y paym<span class=\"_ _0\"></span>ents of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l and i<span class=\"_ _0\"></span>nterest;<span class=\"_ _2d6\"> </span>l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh </span>othe<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>mpre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>ome (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TOCI<span class=\"_ _2\"></span>\u201d) if th<span class=\"_ _0\"></span>ey are hel<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed as \u201d<span class=\"_ _0\"></span>hel<span class=\"_ _0\"></span>d to co<span class=\"_ _0\"></span>lle<span class=\"_ _0\"></span>ct a<span class=\"_ _0\"></span>nd se<span class=\"_ _0\"></span>ll<span class=\"_ _2\"></span>\u201d<span class=\"_ _5\"></span>, t<span class=\"_ _0\"></span>he ob<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve of whic<span class=\"_ _0\"></span>h is ac<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>eved by both c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ctin<span class=\"_ _0\"></span>g co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows an<span class=\"_ _0\"></span>d se<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y paym<span class=\"_ _0\"></span>ents of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l and i<span class=\"_ _0\"></span>nterest; a<span class=\"_ _0\"></span>nd <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets that d<span class=\"_ _0\"></span>o not me<span class=\"_ _0\"></span>et the c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a to be </span></span>amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cost o<span class=\"_ _0\"></span>r F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TOCI a<span class=\"_ _0\"></span>re mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s (\u201c<span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>PL<span class=\"_ _5\"></span>\u201d). In ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n, the Gro<span class=\"_ _0\"></span>up may<span class=\"_ _1\"></span>, at i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on, d<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gnate a f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al ass<span class=\"_ _0\"></span>et as me<span class=\"_ _0\"></span>asure<span class=\"_ _0\"></span>d at F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL i<span class=\"_ _0\"></span>f doi<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>o el<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>nates o<span class=\"_ _0\"></span>r significantly r<span class=\"_ _1\"></span>educes an accounting mi<span class=\"_ _1\"></span>smatch.<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>en f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly, they are mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e, pl<span class=\"_ _0\"></span>us, i<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ase of i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts not at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t or l<span class=\"_ _0\"></span>oss, d<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly at<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>utab<span class=\"_ _0\"></span>le tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>osts<span class=\"_ _0\"></span>. The p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase of a<span class=\"_ _0\"></span>ny cred<span class=\"_ _0\"></span>it-im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red ass<span class=\"_ _0\"></span>ets is a<span class=\"_ _0\"></span>lso at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue af<span class=\"_ _0\"></span>ter a<span class=\"_ _0\"></span>ny imp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>Exce<span class=\"_ _0\"></span>pt for ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n invest<span class=\"_ _0\"></span>ments i<span class=\"_ _0\"></span>n S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s as des<span class=\"_ _0\"></span>cr<span class=\"_ _0\"></span>ibe<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>low, the Gro<span class=\"_ _0\"></span>up do<span class=\"_ _0\"></span>es n<span class=\"_ _0\"></span>ot reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise o<span class=\"_ _0\"></span>n its b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>eet lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>rra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nvestors as i<span class=\"_ _0\"></span>t is not a pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pal p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y to the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>s not expo<span class=\"_ _0\"></span>sed to the ri<span class=\"_ _0\"></span>sks a<span class=\"_ _0\"></span>nd rewa<span class=\"_ _0\"></span>rds of the<span class=\"_ _0\"></span>se l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s. Wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e excepti<span class=\"_ _0\"></span>on of invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in tr<span class=\"_ _0\"></span>usts a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>-<span class=\"_ _2d6\"> </span>investm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd lo<span class=\"_ _0\"></span>ss, a<span class=\"_ _0\"></span>ll f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d to coll<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>t cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows.<span class=\"_ _2d6\"> </span>The fou<span class=\"_ _0\"></span>r ty<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>s of SM<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>re as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span>i) SME loan<span class=\"_ _1\"></span>s held at<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alue through<span class=\"_ _1\"></span> profit and lo<span class=\"_ _1\"></span>ss<span class=\"_ _2d6\"> </span>Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e se<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>s previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly r<span class=\"_ _0\"></span>un by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, SME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns were o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ated in l<span class=\"_ _0\"></span>evera<span class=\"_ _0\"></span>ged ware<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>se veh<span class=\"_ _0\"></span>icl<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>nd su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>entl<span class=\"_ _0\"></span>y sol<span class=\"_ _0\"></span>d into sec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on S<span class=\"_ _0\"></span>PVs. By 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023 the wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es ha<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>en rep<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d and t<span class=\"_ _0\"></span>he s<span class=\"_ _0\"></span>ecu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es unwou<span class=\"_ _0\"></span>nd wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans of t<span class=\"_ _0\"></span>he vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y he<span class=\"_ _0\"></span>ld by sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p an<span class=\"_ _0\"></span>d rema<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ing bo<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s were re<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>ese S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns have be<span class=\"_ _0\"></span>en cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l as<span class=\"_ _0\"></span>sets at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t or l<span class=\"_ _0\"></span>oss b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>aus<span class=\"_ _0\"></span>e al<span class=\"_ _0\"></span>l su<span class=\"_ _0\"></span>ch lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>re ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y for se<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing i<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t-term an<span class=\"_ _0\"></span>d the c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n of intere<span class=\"_ _0\"></span>st is in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>denta<span class=\"_ _0\"></span>l. Ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly th<span class=\"_ _0\"></span>is cate<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>des l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns temp<span class=\"_ _0\"></span>ora<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ly fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets at fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t or l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>nd are he<span class=\"_ _0\"></span>ld w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he i<span class=\"_ _0\"></span>ntentio<span class=\"_ _0\"></span>n of sel<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>n to investors<span class=\"_ _0\"></span>. They are i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce sh<span class=\"_ _0\"></span>eet wit<span class=\"_ _0\"></span>h the s<span class=\"_ _0\"></span>ubse<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue wi<span class=\"_ _0\"></span>th al<span class=\"_ _0\"></span>l gai<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>ing re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>ii) S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ha<span class=\"_ _0\"></span>d or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nated PPP l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns us<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>BA\u2019s PPPLF fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>ese we<span class=\"_ _0\"></span>re hel<span class=\"_ _0\"></span>d on b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>eet. Addi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ho<span class=\"_ _0\"></span>lds i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in S<span class=\"_ _0\"></span>ME bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns as a res<span class=\"_ _0\"></span>ult of c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mer<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ar<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts with institutional invest<span class=\"_ _1\"></span>ors and in cer<span class=\"_ _0\"></span>tain circu<span class=\"_ _0\"></span>mstances the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p al<span class=\"_ _0\"></span>so bu<span class=\"_ _0\"></span>ys bac<span class=\"_ _0\"></span>k lo<span class=\"_ _0\"></span>ans f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nvestors<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The<span class=\"_ _0\"></span>se lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d in S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed cost (se<span class=\"_ _0\"></span>e note 12<span class=\"_ _1\"></span>) a<span class=\"_ _0\"></span>nd a<span class=\"_ _0\"></span>re cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed as a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost (as they are h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d so<span class=\"_ _0\"></span>lel<span class=\"_ _0\"></span>y to col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ct pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pal a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest paym<span class=\"_ _0\"></span>ents) and a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue and s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>uent<span class=\"_ _0\"></span>ly me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red at a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tised c<span class=\"_ _0\"></span>ost l<span class=\"_ _0\"></span>ess provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n for im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>. PPP lo<span class=\"_ _0\"></span>ans we<span class=\"_ _0\"></span>re ful<span class=\"_ _0\"></span>ly g<span class=\"_ _0\"></span>uar<span class=\"_ _0\"></span>antee<span class=\"_ _0\"></span>d by the S<span class=\"_ _0\"></span>BA<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>iii) L<span class=\"_ _1\"></span>ines of cr<span class=\"_ _1\"></span>edit<span class=\"_ _2d6\"> </span>Len<span class=\"_ _1\"></span>ding thro<span class=\"_ _1\"></span>ugh the F<span class=\"_ _1\"></span>lexiPa<span class=\"_ _1\"></span>y pr<span class=\"_ _1\"></span>oduct is<span class=\"_ _1\"></span> recognised<span class=\"_ _1\"></span> on the b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>eet wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t. Th<span class=\"_ _0\"></span>is re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents the d<span class=\"_ _0\"></span>rawn a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>, net of ECL<span class=\"_ _0\"></span>. The cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt so<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ly paym<span class=\"_ _0\"></span>ents of pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st (\u201c<span class=\"_ _0\"></span>S<span class=\"_ _0\"></span>PPI<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) an<span class=\"_ _0\"></span>d the b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l un<span class=\"_ _0\"></span>der w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h they a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld is i<span class=\"_ _0\"></span>n ord<span class=\"_ _0\"></span>er to co<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ect t<span class=\"_ _0\"></span>he cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows resu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>n the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit be<span class=\"_ _0\"></span>ing m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>d ini<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>uent<span class=\"_ _0\"></span>ly at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>. The o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>natio<span class=\"_ _0\"></span>n fee as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith Flexi<span class=\"_ _0\"></span>Pay is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9 wit<span class=\"_ _0\"></span>hin i<span class=\"_ _0\"></span>nterest inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e at the ef<span class=\"_ _0\"></span>fec<span class=\"_ _0\"></span>tive intere<span class=\"_ _0\"></span>st rate in t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> and is r<span class=\"_ _1\"></span>ecognised over the exp<span class=\"_ _0\"></span>ected l<span class=\"_ _0\"></span>ife of th<span class=\"_ _0\"></span>e drawdow<span class=\"_ _0\"></span>n. The Fl<span class=\"_ _0\"></span>exiP<span class=\"_ _0\"></span>ay lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld n<span class=\"_ _0\"></span>et of expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owan<span class=\"_ _0\"></span>ces u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9, the met<span class=\"_ _0\"></span>hod<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>y and d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns of wh<span class=\"_ _0\"></span>ich a<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gn to the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g po<span class=\"_ _0\"></span>lic<span class=\"_ _0\"></span>y on i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ment of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed cost w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he excepti<span class=\"_ _0\"></span>on of b<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>ng as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d at the avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>ne of cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>evel, es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g the u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cre<span class=\"_ _0\"></span>dit to th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of defaul<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d are det<span class=\"_ _0\"></span>ail<span class=\"_ _0\"></span>ed fur<span class=\"_ _2\"></span>ther wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n note 16. Add<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>ses the exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e in re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on to un<span class=\"_ _0\"></span>draw<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t, est<span class=\"_ _0\"></span>imat<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>roba<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt, l<span class=\"_ _0\"></span>oss give<span class=\"_ _0\"></span>n defau<span class=\"_ _0\"></span>lt an<span class=\"_ _0\"></span>d expos<span class=\"_ _0\"></span>ure at defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t in rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the<span class=\"_ _0\"></span>se li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t were th<span class=\"_ _0\"></span>ey to be draw<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>is un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>awn po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of the l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce is r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>n note 15.<span class=\"_ _2d6\"> </span>iv)<span class=\"_ _1\"></span> Investm<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>nt in<span class=\"_ _1\"></span> trusts and co-in<span class=\"_ _1\"></span>vestments<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ho<span class=\"_ _0\"></span>lds a m<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>al own<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p in tru<span class=\"_ _0\"></span>sts s<span class=\"_ _0\"></span>et up to fun<span class=\"_ _0\"></span>d CB<span class=\"_ _0\"></span>ILS<span class=\"_ _0\"></span>, RLS a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>erc<span class=\"_ _0\"></span>ial l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns wit<span class=\"_ _0\"></span>h the m<span class=\"_ _0\"></span>ajo<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty of t<span class=\"_ _0\"></span>he be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ial ow<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ip h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d by ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>nal i<span class=\"_ _0\"></span>nvestors<span class=\"_ _0\"></span>. The S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns ar<span class=\"_ _0\"></span>e ori<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nated by Gro<span class=\"_ _0\"></span>up su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es, Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cle Fo<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l Poi<span class=\"_ _0\"></span>nt Lend<span class=\"_ _0\"></span>ing Lim<span class=\"_ _0\"></span>ited for C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS an<span class=\"_ _0\"></span>d Fund<span class=\"_ _0\"></span>ing C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le Ec<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>pse Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Lim<span class=\"_ _0\"></span>ited o<span class=\"_ _0\"></span>r Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le Po<span class=\"_ _0\"></span>lar<span class=\"_ _0\"></span>is Len<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Li<span class=\"_ _0\"></span>mite<span class=\"_ _0\"></span>d for RLS and c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>rcia<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>ans, w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch reta<span class=\"_ _0\"></span>in le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l tit<span class=\"_ _0\"></span>le to th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>ns. The<span class=\"_ _0\"></span>se ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es ho<span class=\"_ _0\"></span>ld t<span class=\"_ _0\"></span>his l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>al ti<span class=\"_ _0\"></span>tle o<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>ust o<span class=\"_ _0\"></span>n be<span class=\"_ _0\"></span>hal<span class=\"_ _0\"></span>f of the maj<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y investor<span class=\"_ _0\"></span>s who s<span class=\"_ _0\"></span>ubst<span class=\"_ _0\"></span>anti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y retai<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e eco<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>its th<span class=\"_ _0\"></span>e CB<span class=\"_ _0\"></span>ILS<span class=\"_ _0\"></span>, RLS a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>erc<span class=\"_ _0\"></span>ial l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns ge<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rate and t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>refore the t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d the a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n, inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans, a<span class=\"_ _0\"></span>re not c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses wh<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er it c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>ls th<span class=\"_ _0\"></span>e tr<span class=\"_ _0\"></span>ust str<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>re un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r the c<span class=\"_ _0\"></span>rite<span class=\"_ _0\"></span>ria of I<span class=\"_ _0\"></span>FRS 10. C<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>rol is determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed to exist i<span class=\"_ _0\"></span>f the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has t<span class=\"_ _0\"></span>he powe<span class=\"_ _0\"></span>r to dire<span class=\"_ _0\"></span>ct the a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>viti<span class=\"_ _0\"></span>es of ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d str<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>ures a<span class=\"_ _0\"></span>nd us<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>is cont<span class=\"_ _0\"></span>rol to obta<span class=\"_ _0\"></span>in a va<span class=\"_ _0\"></span>ria<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e retur<span class=\"_ _0\"></span>n, to whi<span class=\"_ _0\"></span>ch it i<span class=\"_ _0\"></span>s expos<span class=\"_ _0\"></span>ed to the ma<span class=\"_ _0\"></span>jo<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty. As the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g is sma<span class=\"_ _0\"></span>ll c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pare<span class=\"_ _0\"></span>d to the ma<span class=\"_ _0\"></span>jo<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nvestor an<span class=\"_ _0\"></span>d par<span class=\"_ _0\"></span>i pas<span class=\"_ _0\"></span>su, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is not exp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d to the ma<span class=\"_ _0\"></span>jo<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty of th<span class=\"_ _0\"></span>e var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y in th<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of th<span class=\"_ _0\"></span>e tru<span class=\"_ _0\"></span>st, an<span class=\"_ _0\"></span>d it i<span class=\"_ _0\"></span>s not co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d to cont<span class=\"_ _0\"></span>rol t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ust s<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>ctu<span class=\"_ _0\"></span>res, so t<span class=\"_ _0\"></span>hey are n<span class=\"_ _0\"></span>ot co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. Investm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>usts a<span class=\"_ _0\"></span>re cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd lo<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>. They ar<span class=\"_ _0\"></span>e ini<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e on th<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce s<span class=\"_ _0\"></span>heet w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ent me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>reme<span class=\"_ _0\"></span>nt at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>h al<span class=\"_ _0\"></span>l gai<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>ing re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in the con<span class=\"_ _1\"></span>solidated<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ement o<span class=\"_ _1\"></span>f comprehensiv<span class=\"_ _1\"></span>e income.<span class=\"_ _1\"></span> The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion fe<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>on of l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ust a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ice fee inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on t<span class=\"_ _0\"></span>he as<span class=\"_ _0\"></span>sets wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the t<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>st, el<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>inat<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g its pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l owne<span class=\"_ _0\"></span>rsh<span class=\"_ _0\"></span>ip s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re of the s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ce fee<span class=\"_ _0\"></span>s. A sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r fee is c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>ged i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of CB<span class=\"_ _0\"></span>ILS a<span class=\"_ _0\"></span>nd R<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e is rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in re<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion to retur<span class=\"_ _0\"></span>ns o<span class=\"_ _0\"></span>n the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>Other financial<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span>Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e she<span class=\"_ _0\"></span>et as tra<span class=\"_ _0\"></span>de an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>e cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed as a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed cost<span class=\"_ _0\"></span>. They a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>niti<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue a<span class=\"_ _0\"></span>nd subse<span class=\"_ _1\"></span>quently m<span class=\"_ _1\"></span>easured<span class=\"_ _1\"></span> at amortised<span class=\"_ _1\"></span> cost less<span class=\"_ _1\"></span> prov<span class=\"_ _1\"></span>ision for<span class=\"_ _1\"></span> impairment. Net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in s<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>eivab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>es are re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d as othe<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es rep<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e net p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt valu<span class=\"_ _0\"></span>e of th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se paym<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e. I<span class=\"_ _0\"></span>nterest is rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r cos<span class=\"_ _0\"></span>ts in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of comprehensi<span class=\"_ _1\"></span>ve income.<span class=\"_ _2d6\"> </span>Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tised cost w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he excepti<span class=\"_ _0\"></span>on of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey mar<span class=\"_ _0\"></span>ket fund<span class=\"_ _0\"></span>s that are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL<span class=\"_ _0\"></span>. Ca<span class=\"_ _0\"></span>sh an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>val<span class=\"_ _0\"></span>ents inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de c<span class=\"_ _0\"></span>ash i<span class=\"_ _0\"></span>n ha<span class=\"_ _0\"></span>nd, de<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>its h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at ca<span class=\"_ _0\"></span>ll wi<span class=\"_ _0\"></span>th ba<span class=\"_ _0\"></span>nks, money<span class=\"_ _1\"></span> market<span class=\"_ _1\"></span> funds and<span class=\"_ _1\"></span> other short<span class=\"_ _1\"></span>-term h<span class=\"_ _1\"></span>ighly liquid investm<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>ith o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>al m<span class=\"_ _0\"></span>atur<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s of thre<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>nths o<span class=\"_ _0\"></span>r les<span class=\"_ _0\"></span>s. T<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roximates to thei<span class=\"_ _0\"></span>r fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e.<span class=\"_ _2d6\"> </span>Impairment<span class=\"_ _1\"></span> of financial<span class=\"_ _1\"></span> assets h<span class=\"_ _1\"></span>eld at amortised<span class=\"_ _1\"></span> cost<span class=\"_ _2d6\"> </span>The Gr<span class=\"_ _1\"></span>oup applies the<span class=\"_ _1\"></span> impairment requir<span class=\"_ _1\"></span>ements o<span class=\"_ _1\"></span>f IFR<span class=\"_ _0\"></span>S 9. The I<span class=\"_ _0\"></span>FRS 9 im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>irm<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>res a th<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>-<span class=\"_ _2d6\"> </span>stage appr<span class=\"_ _1\"></span>oach: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 1 in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>at have not </span></span>had a s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k sin<span class=\"_ _0\"></span>ce i<span class=\"_ _0\"></span>niti<span class=\"_ _0\"></span>al rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>r that h<span class=\"_ _0\"></span>ave low cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk at t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>por<span class=\"_ _2\"></span>ting date. For th<span class=\"_ _0\"></span>ese a<span class=\"_ _0\"></span>ssets<span class=\"_ _0\"></span>, 12<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>mont<span class=\"_ _0\"></span>h expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit los<span class=\"_ _0\"></span>ses (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>ECL<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u201d) (that i<span class=\"_ _0\"></span>s, expe<span class=\"_ _0\"></span>cted l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng f<span class=\"_ _0\"></span>rom the r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of defau<span class=\"_ _0\"></span>lt in t<span class=\"_ _0\"></span>he nex<span class=\"_ _0\"></span>t 12 month<span class=\"_ _0\"></span>s) are reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d and i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e is ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated on th<span class=\"_ _0\"></span>e gros<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e as<span class=\"_ _0\"></span>set (that is<span class=\"_ _0\"></span>, wit<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>t ded<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e)<span class=\"_ _1\"></span>.  <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 2 in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>at have had a </span></span>significant increa<span class=\"_ _1\"></span>se in credit risk<span class=\"_ _1\"></span> since initial recognition (unle<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>ey have low cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k at the r<span class=\"_ _0\"></span>epo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date) but a<span class=\"_ _0\"></span>re not c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>red. Fo<span class=\"_ _0\"></span>r the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets, l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs (th<span class=\"_ _0\"></span>at is, exp<span class=\"_ _0\"></span>ected l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g from t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isk of defau<span class=\"_ _0\"></span>lt over th<span class=\"_ _0\"></span>e life of th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent) are rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d, an<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e is st<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lated o<span class=\"_ _0\"></span>n the g<span class=\"_ _0\"></span>ross c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>re has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n a si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k if o<span class=\"_ _0\"></span>utst<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unts o<span class=\"_ _0\"></span>n the f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets exceed 3<span class=\"_ _0\"></span>0 days pas<span class=\"_ _0\"></span>t due, i<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e rebu<span class=\"_ _0\"></span>tta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e pres<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n pe<span class=\"_ _0\"></span>r IFRS 9, o<span class=\"_ _0\"></span>r if a li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t is late, or has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n frozen due to an i<span class=\"_ _0\"></span>dent<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease i<span class=\"_ _0\"></span>n ri<span class=\"_ _0\"></span>sk suc<span class=\"_ _0\"></span>h as b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>ate on a thi<span class=\"_ _0\"></span>rd pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty d<span class=\"_ _0\"></span>ebt at wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h po<span class=\"_ _0\"></span>int th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to be s<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 2. <span class=\"_ _1d\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff1a fc5 ls5d ws111\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e <span class=\"_ _1\"></span>3 con<span class=\"_ _0\"></span>sist<span class=\"_ _0\"></span>s <span class=\"_ _1\"></span>of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l assets that are <span class=\"_ _1\"></span>c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-\u200aimpa<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d,<span class=\"_ _2d6\"> </span></span></span>whi<span class=\"_ _0\"></span>ch is w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re events th<span class=\"_ _0\"></span>at have a detri<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>ntal<span class=\"_ _0\"></span> im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t on th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated f<span class=\"_ _0\"></span>uture c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>et have occ<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>red. Fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>ese as<span class=\"_ _0\"></span>sets, l<span class=\"_ _0\"></span>ifeti<span class=\"_ _0\"></span>me EC<span class=\"_ _0\"></span>Ls are a<span class=\"_ _0\"></span>lso re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed, b<span class=\"_ _0\"></span>ut i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lated on th<span class=\"_ _0\"></span>e net c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt (that is, n<span class=\"_ _0\"></span>et of the EC<span class=\"_ _0\"></span>L al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce). The Gro<span class=\"_ _0\"></span>up def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es a defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t, cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s sta<span class=\"_ _0\"></span>ge 3, as a<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>et wit<span class=\"_ _0\"></span>h any out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts exceed<span class=\"_ _0\"></span>ing a 9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>day du<span class=\"_ _0\"></span>e date, whi<span class=\"_ _0\"></span>ch ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e poi<span class=\"_ _0\"></span>nt at whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>ted. A<span class=\"_ _0\"></span>n acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt that is d<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>d to be fra<span class=\"_ _0\"></span>udu<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nt (i.e. t<span class=\"_ _0\"></span>hir<span class=\"_ _0\"></span>d par<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion f<span class=\"_ _0\"></span>rau<span class=\"_ _0\"></span>d) is wr<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ten of<span class=\"_ _0\"></span>f at po<span class=\"_ _0\"></span>int of id<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">I<span class=\"_ _0\"></span>n som<span class=\"_ _0\"></span>e ci<span class=\"_ _0\"></span>rcu<span class=\"_ _0\"></span>msta<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s whe<span class=\"_ _0\"></span>re as<span class=\"_ _0\"></span>sets are b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght </span></span>bac<span class=\"_ _0\"></span>k by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated wit<span class=\"_ _0\"></span>h the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e meet<span class=\"_ _0\"></span>s the d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion of p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r originat<span class=\"_ _1\"></span>ed credit<span class=\"_ _1\"></span>-impaired<span class=\"_ _1\"></span> (\u201c<span class=\"_ _0\"></span>POCI<span class=\"_ _0\"></span>\u201d)<span class=\"_ _1\"></span>, and impairmen<span class=\"_ _1\"></span>t is th<span class=\"_ _0\"></span>erefore b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses o<span class=\"_ _0\"></span>n a for<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>d-l<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s the expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith i<span class=\"_ _0\"></span>ts f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial as<span class=\"_ _0\"></span>sets ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ied at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es a l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for su<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es at eac<span class=\"_ _0\"></span>h rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g date. The m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent of ECL<span class=\"_ _0\"></span>s refl<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cts: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">an unbiased<span class=\"_ _1\"></span> and probability<span class=\"_ _1\"></span>-weight<span class=\"_ _1\"></span>ed amount<span class=\"_ _1\"></span> </span></span>that is d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed by eval<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>ng a ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e of possible outcomes<span class=\"_ _1\"></span>; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e ti<span class=\"_ _0\"></span>me val<span class=\"_ _0\"></span>ue of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey; and</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsa ws9\">reasona<span class=\"_ _1\"></span>ble and supportable<span class=\"_ _1\"></span> info<span class=\"_ _1\"></span>rmation t<span class=\"_ _1\"></span>hat is<span class=\"_ _1\"></span> </span></span>avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>tho<span class=\"_ _0\"></span>ut un<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>e cost o<span class=\"_ _0\"></span>r ef<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>t at th<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date abo<span class=\"_ _0\"></span>ut pa<span class=\"_ _0\"></span>st events, cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d for<span class=\"_ _1\"></span>ecasts<span class=\"_ _1\"></span> of fut<span class=\"_ _1\"></span>ure econ<span class=\"_ _1\"></span>omic conditi<span class=\"_ _1\"></span>ons.<span class=\"_ _2d6\"> </span>If in a s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ent p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt los<span class=\"_ _0\"></span>s de<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e dec<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>lated obj<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ivel<span class=\"_ _0\"></span>y to an event occ<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng af<span class=\"_ _0\"></span>ter th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent was<span class=\"_ _1\"></span> recognised, the pr<span class=\"_ _1\"></span>eviously recognised impairment<span class=\"_ _1\"></span> los<span class=\"_ _0\"></span>s is rever<span class=\"_ _0\"></span>sed, to th<span class=\"_ _0\"></span>e extent th<span class=\"_ _0\"></span>at the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of the as<span class=\"_ _0\"></span>set d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot exceed i<span class=\"_ _0\"></span>ts am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t at the rever<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>l date. Any su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>nt revers<span class=\"_ _0\"></span>al of a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of comprehensi<span class=\"_ _1\"></span>ve income.<span class=\"_ _2d6\"> </span>Derecognit<span class=\"_ _1\"></span>ion of financi<span class=\"_ _1\"></span>al assets<span class=\"_ _2d6\"> </span>Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are d<span class=\"_ _0\"></span>erec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>nly w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n the cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l rig<span class=\"_ _0\"></span>hts to the c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ows from t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial ass<span class=\"_ _0\"></span>ets expi<span class=\"_ _0\"></span>re or th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>as eit<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red th<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l rig<span class=\"_ _0\"></span>ht to rece<span class=\"_ _0\"></span>ive the c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows from t<span class=\"_ _0\"></span>hat ass<span class=\"_ _0\"></span>et, or h<span class=\"_ _0\"></span>as ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>n obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to pay thos<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows to one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re reci<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p de<span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s a tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>et if it t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sfers s<span class=\"_ _0\"></span>ubst<span class=\"_ _0\"></span>anti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y al<span class=\"_ _0\"></span>l the r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>s and rewa<span class=\"_ _0\"></span>rds of own<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span>Financial liabilities<span class=\"_ _2d6\"> </span>Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>de an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er payab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e and s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>entl<span class=\"_ _0\"></span>y at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cost<span class=\"_ _0\"></span>. The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of a non<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nterest-be<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ing lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y is i<span class=\"_ _0\"></span>ts dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted rep<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nt am<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>. If th<span class=\"_ _0\"></span>e due date of the l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s le<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>an o<span class=\"_ _0\"></span>ne year, discou<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>ng is om<span class=\"_ _1\"></span>itted.<span class=\"_ _2d6\"> </span>A fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s dere<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d whe<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s disc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d or c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cel<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d or exp<span class=\"_ _0\"></span>ires<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Bank borro<span class=\"_ _1\"></span>wings<span class=\"_ _2d6\"> </span>Ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs (drawdown<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he cre<span class=\"_ _0\"></span>dit f<span class=\"_ _0\"></span>aci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ties) are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e, bei<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r iss<span class=\"_ _0\"></span>ue pro<span class=\"_ _0\"></span>cee<span class=\"_ _0\"></span>ds net of t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n cos<span class=\"_ _0\"></span>ts in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. The<span class=\"_ _0\"></span>se instrumen<span class=\"_ _1\"></span>ts are<span class=\"_ _1\"></span> subsequently<span class=\"_ _1\"></span> measured a<span class=\"_ _1\"></span>t amortised cost u<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e effe<span class=\"_ _0\"></span>ctive i<span class=\"_ _0\"></span>nterest rate m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-414": {
   "value": "Financial<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p deter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of its f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial ass<span class=\"_ _0\"></span>ets at in<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>al rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>e req<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts of IFR<span class=\"_ _0\"></span>S 9 for cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n and s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>re ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>ed, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>re fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets to be c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s mo<span class=\"_ _0\"></span>del fo<span class=\"_ _0\"></span>r man<span class=\"_ _0\"></span>agi<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he ass<span class=\"_ _0\"></span>et and t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>low c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>acte<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>tic<span class=\"_ _0\"></span>s of the asset: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost if </span></span>they a<span class=\"_ _0\"></span>re hel<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n a bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el, t<span class=\"_ _0\"></span>he ob<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>ctive of whi<span class=\"_ _0\"></span>ch is to ho<span class=\"_ _0\"></span>ld f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets in o<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>r to col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ct cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows, an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y paym<span class=\"_ _0\"></span>ents of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l and i<span class=\"_ _0\"></span>nterest;<span class=\"_ _2d6\"> </span>l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh </span>othe<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>mpre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>ome (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TOCI<span class=\"_ _2\"></span>\u201d) if th<span class=\"_ _0\"></span>ey are hel<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed as \u201d<span class=\"_ _0\"></span>hel<span class=\"_ _0\"></span>d to co<span class=\"_ _0\"></span>lle<span class=\"_ _0\"></span>ct a<span class=\"_ _0\"></span>nd se<span class=\"_ _0\"></span>ll<span class=\"_ _2\"></span>\u201d<span class=\"_ _5\"></span>, t<span class=\"_ _0\"></span>he ob<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve of whic<span class=\"_ _0\"></span>h is ac<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>eved by both c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ctin<span class=\"_ _0\"></span>g co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows an<span class=\"_ _0\"></span>d se<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y paym<span class=\"_ _0\"></span>ents of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l and i<span class=\"_ _0\"></span>nterest; a<span class=\"_ _0\"></span>nd <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets that d<span class=\"_ _0\"></span>o not me<span class=\"_ _0\"></span>et the c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a to be </span></span>amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cost o<span class=\"_ _0\"></span>r F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TOCI a<span class=\"_ _0\"></span>re mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s (\u201c<span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>PL<span class=\"_ _5\"></span>\u201d). In ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n, the Gro<span class=\"_ _0\"></span>up may<span class=\"_ _1\"></span>, at i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on, d<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gnate a f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al ass<span class=\"_ _0\"></span>et as me<span class=\"_ _0\"></span>asure<span class=\"_ _0\"></span>d at F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL i<span class=\"_ _0\"></span>f doi<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>o el<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>nates o<span class=\"_ _0\"></span>r significantly r<span class=\"_ _1\"></span>educes an accounting mi<span class=\"_ _1\"></span>smatch.<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>en f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly, they are mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e, pl<span class=\"_ _0\"></span>us, i<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ase of i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts not at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t or l<span class=\"_ _0\"></span>oss, d<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly at<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>utab<span class=\"_ _0\"></span>le tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>osts<span class=\"_ _0\"></span>. The p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase of a<span class=\"_ _0\"></span>ny cred<span class=\"_ _0\"></span>it-im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red ass<span class=\"_ _0\"></span>ets is a<span class=\"_ _0\"></span>lso at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue af<span class=\"_ _0\"></span>ter a<span class=\"_ _0\"></span>ny imp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>Exce<span class=\"_ _0\"></span>pt for ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n invest<span class=\"_ _0\"></span>ments i<span class=\"_ _0\"></span>n S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s as des<span class=\"_ _0\"></span>cr<span class=\"_ _0\"></span>ibe<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>low, the Gro<span class=\"_ _0\"></span>up do<span class=\"_ _0\"></span>es n<span class=\"_ _0\"></span>ot reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise o<span class=\"_ _0\"></span>n its b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>eet lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>rra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowers a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nvestors as i<span class=\"_ _0\"></span>t is not a pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pal p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y to the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>s not expo<span class=\"_ _0\"></span>sed to the ri<span class=\"_ _0\"></span>sks a<span class=\"_ _0\"></span>nd rewa<span class=\"_ _0\"></span>rds of the<span class=\"_ _0\"></span>se l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s. Wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e excepti<span class=\"_ _0\"></span>on of invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in tr<span class=\"_ _0\"></span>usts a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>-<span class=\"_ _2d6\"> </span>investm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd lo<span class=\"_ _0\"></span>ss, a<span class=\"_ _0\"></span>ll f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d to coll<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>t cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows.<span class=\"_ _2d6\"> </span>The fou<span class=\"_ _0\"></span>r ty<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>s of SM<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>re as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span>i) SME loan<span class=\"_ _1\"></span>s held at<span class=\"_ _1\"></span> fair v<span class=\"_ _1\"></span>alue through<span class=\"_ _1\"></span> profit and lo<span class=\"_ _1\"></span>ss<span class=\"_ _2d6\"> </span>Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e se<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>s previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly r<span class=\"_ _0\"></span>un by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, SME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns were o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ated in l<span class=\"_ _0\"></span>evera<span class=\"_ _0\"></span>ged ware<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>se veh<span class=\"_ _0\"></span>icl<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>nd su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>entl<span class=\"_ _0\"></span>y sol<span class=\"_ _0\"></span>d into sec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on S<span class=\"_ _0\"></span>PVs. By 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023 the wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es ha<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>en rep<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d and t<span class=\"_ _0\"></span>he s<span class=\"_ _0\"></span>ecu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es unwou<span class=\"_ _0\"></span>nd wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans of t<span class=\"_ _0\"></span>he vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y he<span class=\"_ _0\"></span>ld by sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p an<span class=\"_ _0\"></span>d rema<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ing bo<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s were re<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>ese S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns have be<span class=\"_ _0\"></span>en cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l as<span class=\"_ _0\"></span>sets at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t or l<span class=\"_ _0\"></span>oss b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>aus<span class=\"_ _0\"></span>e al<span class=\"_ _0\"></span>l su<span class=\"_ _0\"></span>ch lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>re ac<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y for se<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing i<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t-term an<span class=\"_ _0\"></span>d the c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n of intere<span class=\"_ _0\"></span>st is in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>denta<span class=\"_ _0\"></span>l. Ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly th<span class=\"_ _0\"></span>is cate<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>des l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns temp<span class=\"_ _0\"></span>ora<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ly fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets at fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t or l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>nd are he<span class=\"_ _0\"></span>ld w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he i<span class=\"_ _0\"></span>ntentio<span class=\"_ _0\"></span>n of sel<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>n to investors<span class=\"_ _0\"></span>. They are i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce sh<span class=\"_ _0\"></span>eet wit<span class=\"_ _0\"></span>h the s<span class=\"_ _0\"></span>ubse<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue wi<span class=\"_ _0\"></span>th al<span class=\"_ _0\"></span>l gai<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>ing re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>ii) S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ha<span class=\"_ _0\"></span>d or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nated PPP l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns us<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>BA\u2019s PPPLF fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>ese we<span class=\"_ _0\"></span>re hel<span class=\"_ _0\"></span>d on b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>eet. Addi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ho<span class=\"_ _0\"></span>lds i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in S<span class=\"_ _0\"></span>ME bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns as a res<span class=\"_ _0\"></span>ult of c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mer<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ar<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts with institutional invest<span class=\"_ _1\"></span>ors and in cer<span class=\"_ _0\"></span>tain circu<span class=\"_ _0\"></span>mstances the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p al<span class=\"_ _0\"></span>so bu<span class=\"_ _0\"></span>ys bac<span class=\"_ _0\"></span>k lo<span class=\"_ _0\"></span>ans f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nvestors<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The<span class=\"_ _0\"></span>se lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d in S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed cost (se<span class=\"_ _0\"></span>e note 12<span class=\"_ _1\"></span>) a<span class=\"_ _0\"></span>nd a<span class=\"_ _0\"></span>re cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed as a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost (as they are h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d so<span class=\"_ _0\"></span>lel<span class=\"_ _0\"></span>y to col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ct pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pal a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest paym<span class=\"_ _0\"></span>ents) and a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue and s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>uent<span class=\"_ _0\"></span>ly me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red at a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tised c<span class=\"_ _0\"></span>ost l<span class=\"_ _0\"></span>ess provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n for im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>. PPP lo<span class=\"_ _0\"></span>ans we<span class=\"_ _0\"></span>re ful<span class=\"_ _0\"></span>ly g<span class=\"_ _0\"></span>uar<span class=\"_ _0\"></span>antee<span class=\"_ _0\"></span>d by the S<span class=\"_ _0\"></span>BA<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>iii) L<span class=\"_ _1\"></span>ines of cr<span class=\"_ _1\"></span>edit<span class=\"_ _2d6\"> </span>Len<span class=\"_ _1\"></span>ding thro<span class=\"_ _1\"></span>ugh the F<span class=\"_ _1\"></span>lexiPa<span class=\"_ _1\"></span>y pr<span class=\"_ _1\"></span>oduct is<span class=\"_ _1\"></span> recognised<span class=\"_ _1\"></span> on the b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>eet wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t. Th<span class=\"_ _0\"></span>is re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents the d<span class=\"_ _0\"></span>rawn a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>, net of ECL<span class=\"_ _0\"></span>. The cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt so<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ly paym<span class=\"_ _0\"></span>ents of pr<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st (\u201c<span class=\"_ _0\"></span>S<span class=\"_ _0\"></span>PPI<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) an<span class=\"_ _0\"></span>d the b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l un<span class=\"_ _0\"></span>der w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h they a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld is i<span class=\"_ _0\"></span>n ord<span class=\"_ _0\"></span>er to co<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ect t<span class=\"_ _0\"></span>he cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows resu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>n the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit be<span class=\"_ _0\"></span>ing m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>d ini<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>uent<span class=\"_ _0\"></span>ly at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>. The o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>natio<span class=\"_ _0\"></span>n fee as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith Flexi<span class=\"_ _0\"></span>Pay is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9 wit<span class=\"_ _0\"></span>hin i<span class=\"_ _0\"></span>nterest inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e at the ef<span class=\"_ _0\"></span>fec<span class=\"_ _0\"></span>tive intere<span class=\"_ _0\"></span>st rate in t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> and is r<span class=\"_ _1\"></span>ecognised over the exp<span class=\"_ _0\"></span>ected l<span class=\"_ _0\"></span>ife of th<span class=\"_ _0\"></span>e drawdow<span class=\"_ _0\"></span>n. The Fl<span class=\"_ _0\"></span>exiP<span class=\"_ _0\"></span>ay lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld n<span class=\"_ _0\"></span>et of expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owan<span class=\"_ _0\"></span>ces u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9, the met<span class=\"_ _0\"></span>hod<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>y and d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns of wh<span class=\"_ _0\"></span>ich a<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gn to the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g po<span class=\"_ _0\"></span>lic<span class=\"_ _0\"></span>y on i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ment of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed cost w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he excepti<span class=\"_ _0\"></span>on of b<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>ng as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d at the avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>ne of cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>evel, es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g the u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cre<span class=\"_ _0\"></span>dit to th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of defaul<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d are det<span class=\"_ _0\"></span>ail<span class=\"_ _0\"></span>ed fur<span class=\"_ _2\"></span>ther wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n note 16. Add<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>ses the exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e in re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on to un<span class=\"_ _0\"></span>draw<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t, est<span class=\"_ _0\"></span>imat<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>roba<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt, l<span class=\"_ _0\"></span>oss give<span class=\"_ _0\"></span>n defau<span class=\"_ _0\"></span>lt an<span class=\"_ _0\"></span>d expos<span class=\"_ _0\"></span>ure at defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t in rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the<span class=\"_ _0\"></span>se li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t were th<span class=\"_ _0\"></span>ey to be draw<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>is un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>awn po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of the l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce is r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>n note 15.<span class=\"_ _2d6\"> </span>iv)<span class=\"_ _1\"></span> Investm<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>nt in<span class=\"_ _1\"></span> trusts and co-in<span class=\"_ _1\"></span>vestments<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ho<span class=\"_ _0\"></span>lds a m<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>al own<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p in tru<span class=\"_ _0\"></span>sts s<span class=\"_ _0\"></span>et up to fun<span class=\"_ _0\"></span>d CB<span class=\"_ _0\"></span>ILS<span class=\"_ _0\"></span>, RLS a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>erc<span class=\"_ _0\"></span>ial l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns wit<span class=\"_ _0\"></span>h the m<span class=\"_ _0\"></span>ajo<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty of t<span class=\"_ _0\"></span>he be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ial ow<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ip h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d by ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>nal i<span class=\"_ _0\"></span>nvestors<span class=\"_ _0\"></span>. The S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns ar<span class=\"_ _0\"></span>e ori<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nated by Gro<span class=\"_ _0\"></span>up su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es, Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cle Fo<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l Poi<span class=\"_ _0\"></span>nt Lend<span class=\"_ _0\"></span>ing Lim<span class=\"_ _0\"></span>ited for C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS an<span class=\"_ _0\"></span>d Fund<span class=\"_ _0\"></span>ing C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le Ec<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>pse Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Lim<span class=\"_ _0\"></span>ited o<span class=\"_ _0\"></span>r Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le Po<span class=\"_ _0\"></span>lar<span class=\"_ _0\"></span>is Len<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Li<span class=\"_ _0\"></span>mite<span class=\"_ _0\"></span>d for RLS and c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>rcia<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>ans, w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch reta<span class=\"_ _0\"></span>in le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l tit<span class=\"_ _0\"></span>le to th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>ns. The<span class=\"_ _0\"></span>se ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es ho<span class=\"_ _0\"></span>ld t<span class=\"_ _0\"></span>his l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>al ti<span class=\"_ _0\"></span>tle o<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>ust o<span class=\"_ _0\"></span>n be<span class=\"_ _0\"></span>hal<span class=\"_ _0\"></span>f of the maj<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y investor<span class=\"_ _0\"></span>s who s<span class=\"_ _0\"></span>ubst<span class=\"_ _0\"></span>anti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y retai<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e eco<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>its th<span class=\"_ _0\"></span>e CB<span class=\"_ _0\"></span>ILS<span class=\"_ _0\"></span>, RLS a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>erc<span class=\"_ _0\"></span>ial l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns ge<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rate and t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>refore the t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d the a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n, inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans, a<span class=\"_ _0\"></span>re not c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses wh<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er it c<span class=\"_ _0\"></span>ontro<span class=\"_ _0\"></span>ls th<span class=\"_ _0\"></span>e tr<span class=\"_ _0\"></span>ust str<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>re un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r the c<span class=\"_ _0\"></span>rite<span class=\"_ _0\"></span>ria of I<span class=\"_ _0\"></span>FRS 10. C<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>rol is determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed to exist i<span class=\"_ _0\"></span>f the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has t<span class=\"_ _0\"></span>he powe<span class=\"_ _0\"></span>r to dire<span class=\"_ _0\"></span>ct the a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>viti<span class=\"_ _0\"></span>es of ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d str<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>ures a<span class=\"_ _0\"></span>nd us<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>is cont<span class=\"_ _0\"></span>rol to obta<span class=\"_ _0\"></span>in a va<span class=\"_ _0\"></span>ria<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e retur<span class=\"_ _0\"></span>n, to whi<span class=\"_ _0\"></span>ch it i<span class=\"_ _0\"></span>s expos<span class=\"_ _0\"></span>ed to the ma<span class=\"_ _0\"></span>jo<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty. As the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g is sma<span class=\"_ _0\"></span>ll c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pare<span class=\"_ _0\"></span>d to the ma<span class=\"_ _0\"></span>jo<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nvestor an<span class=\"_ _0\"></span>d par<span class=\"_ _0\"></span>i pas<span class=\"_ _0\"></span>su, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is not exp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d to the ma<span class=\"_ _0\"></span>jo<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty of th<span class=\"_ _0\"></span>e var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y in th<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of th<span class=\"_ _0\"></span>e tru<span class=\"_ _0\"></span>st, an<span class=\"_ _0\"></span>d it i<span class=\"_ _0\"></span>s not co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d to cont<span class=\"_ _0\"></span>rol t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ust s<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>ctu<span class=\"_ _0\"></span>res, so t<span class=\"_ _0\"></span>hey are n<span class=\"_ _0\"></span>ot co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. Investm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>usts a<span class=\"_ _0\"></span>re cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd lo<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>. They ar<span class=\"_ _0\"></span>e ini<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e on th<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce s<span class=\"_ _0\"></span>heet w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ent me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>reme<span class=\"_ _0\"></span>nt at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>h al<span class=\"_ _0\"></span>l gai<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>ing re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in the con<span class=\"_ _1\"></span>solidated<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ement o<span class=\"_ _1\"></span>f comprehensiv<span class=\"_ _1\"></span>e income.<span class=\"_ _1\"></span> The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion fe<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>on of l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ust a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ice fee inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e on t<span class=\"_ _0\"></span>he as<span class=\"_ _0\"></span>sets wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the t<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>st, el<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>inat<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g its pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l owne<span class=\"_ _0\"></span>rsh<span class=\"_ _0\"></span>ip s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re of the s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ce fee<span class=\"_ _0\"></span>s. A sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r fee is c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>ged i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of CB<span class=\"_ _0\"></span>ILS a<span class=\"_ _0\"></span>nd R<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e is rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in re<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion to retur<span class=\"_ _0\"></span>ns o<span class=\"_ _0\"></span>n the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>Other financial<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span>Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e she<span class=\"_ _0\"></span>et as tra<span class=\"_ _0\"></span>de an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>e cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed as a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed cost<span class=\"_ _0\"></span>. They a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>niti<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue a<span class=\"_ _0\"></span>nd subse<span class=\"_ _1\"></span>quently m<span class=\"_ _1\"></span>easured<span class=\"_ _1\"></span> at amortised<span class=\"_ _1\"></span> cost less<span class=\"_ _1\"></span> prov<span class=\"_ _1\"></span>ision for<span class=\"_ _1\"></span> impairment. Net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in s<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>eivab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>es are re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d as othe<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es rep<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e net p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt valu<span class=\"_ _0\"></span>e of th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se paym<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e. I<span class=\"_ _0\"></span>nterest is rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r cos<span class=\"_ _0\"></span>ts in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of comprehensi<span class=\"_ _1\"></span>ve income.<span class=\"_ _2d6\"> </span>Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tised cost w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he excepti<span class=\"_ _0\"></span>on of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey mar<span class=\"_ _0\"></span>ket fund<span class=\"_ _0\"></span>s that are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL<span class=\"_ _0\"></span>. Ca<span class=\"_ _0\"></span>sh an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>val<span class=\"_ _0\"></span>ents inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de c<span class=\"_ _0\"></span>ash i<span class=\"_ _0\"></span>n ha<span class=\"_ _0\"></span>nd, de<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>its h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at ca<span class=\"_ _0\"></span>ll wi<span class=\"_ _0\"></span>th ba<span class=\"_ _0\"></span>nks, money<span class=\"_ _1\"></span> market<span class=\"_ _1\"></span> funds and<span class=\"_ _1\"></span> other short<span class=\"_ _1\"></span>-term h<span class=\"_ _1\"></span>ighly liquid investm<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>ith o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>al m<span class=\"_ _0\"></span>atur<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s of thre<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>nths o<span class=\"_ _0\"></span>r les<span class=\"_ _0\"></span>s. T<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roximates to thei<span class=\"_ _0\"></span>r fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e.<span class=\"_ _2d6\"> </span>Impairment<span class=\"_ _1\"></span> of financial<span class=\"_ _1\"></span> assets h<span class=\"_ _1\"></span>eld at amortised<span class=\"_ _1\"></span> cost<span class=\"_ _2d6\"> </span>The Gr<span class=\"_ _1\"></span>oup applies the<span class=\"_ _1\"></span> impairment requir<span class=\"_ _1\"></span>ements o<span class=\"_ _1\"></span>f IFR<span class=\"_ _0\"></span>S 9. The I<span class=\"_ _0\"></span>FRS 9 im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>irm<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>res a th<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>-<span class=\"_ _2d6\"> </span>stage appr<span class=\"_ _1\"></span>oach: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 1 in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>at have not </span></span>had a s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k sin<span class=\"_ _0\"></span>ce i<span class=\"_ _0\"></span>niti<span class=\"_ _0\"></span>al rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>r that h<span class=\"_ _0\"></span>ave low cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk at t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>por<span class=\"_ _2\"></span>ting date. For th<span class=\"_ _0\"></span>ese a<span class=\"_ _0\"></span>ssets<span class=\"_ _0\"></span>, 12<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>mont<span class=\"_ _0\"></span>h expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit los<span class=\"_ _0\"></span>ses (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>ECL<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u201d) (that i<span class=\"_ _0\"></span>s, expe<span class=\"_ _0\"></span>cted l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng f<span class=\"_ _0\"></span>rom the r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of defau<span class=\"_ _0\"></span>lt in t<span class=\"_ _0\"></span>he nex<span class=\"_ _0\"></span>t 12 month<span class=\"_ _0\"></span>s) are reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d and i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e is ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated on th<span class=\"_ _0\"></span>e gros<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e as<span class=\"_ _0\"></span>set (that is<span class=\"_ _0\"></span>, wit<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>t ded<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e)<span class=\"_ _1\"></span>.  <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 2 in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>at have had a </span></span>significant increa<span class=\"_ _1\"></span>se in credit risk<span class=\"_ _1\"></span> since initial recognition (unle<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>ey have low cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k at the r<span class=\"_ _0\"></span>epo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date) but a<span class=\"_ _0\"></span>re not c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>red. Fo<span class=\"_ _0\"></span>r the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets, l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs (th<span class=\"_ _0\"></span>at is, exp<span class=\"_ _0\"></span>ected l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g from t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isk of defau<span class=\"_ _0\"></span>lt over th<span class=\"_ _0\"></span>e life of th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent) are rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d, an<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e is st<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lated o<span class=\"_ _0\"></span>n the g<span class=\"_ _0\"></span>ross c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>re has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n a si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k if o<span class=\"_ _0\"></span>utst<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unts o<span class=\"_ _0\"></span>n the f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets exceed 3<span class=\"_ _0\"></span>0 days pas<span class=\"_ _0\"></span>t due, i<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e rebu<span class=\"_ _0\"></span>tta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e pres<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n pe<span class=\"_ _0\"></span>r IFRS 9, o<span class=\"_ _0\"></span>r if a li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t is late, or has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n frozen due to an i<span class=\"_ _0\"></span>dent<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease i<span class=\"_ _0\"></span>n ri<span class=\"_ _0\"></span>sk suc<span class=\"_ _0\"></span>h as b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>ate on a thi<span class=\"_ _0\"></span>rd pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty d<span class=\"_ _0\"></span>ebt at wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h po<span class=\"_ _0\"></span>int th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to be s<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 2. <span class=\"_ _1d\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff1a fc5 ls5d ws111\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e <span class=\"_ _1\"></span>3 con<span class=\"_ _0\"></span>sist<span class=\"_ _0\"></span>s <span class=\"_ _1\"></span>of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l assets that are <span class=\"_ _1\"></span>c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-\u200aimpa<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d,<span class=\"_ _2d6\"> </span></span></span>whi<span class=\"_ _0\"></span>ch is w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re events th<span class=\"_ _0\"></span>at have a detri<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>ntal<span class=\"_ _0\"></span> im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t on th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated f<span class=\"_ _0\"></span>uture c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>et have occ<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>red. Fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>ese as<span class=\"_ _0\"></span>sets, l<span class=\"_ _0\"></span>ifeti<span class=\"_ _0\"></span>me EC<span class=\"_ _0\"></span>Ls are a<span class=\"_ _0\"></span>lso re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed, b<span class=\"_ _0\"></span>ut i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lated on th<span class=\"_ _0\"></span>e net c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt (that is, n<span class=\"_ _0\"></span>et of the EC<span class=\"_ _0\"></span>L al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce). The Gro<span class=\"_ _0\"></span>up def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es a defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t, cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s sta<span class=\"_ _0\"></span>ge 3, as a<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>et wit<span class=\"_ _0\"></span>h any out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts exceed<span class=\"_ _0\"></span>ing a 9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>day du<span class=\"_ _0\"></span>e date, whi<span class=\"_ _0\"></span>ch ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e poi<span class=\"_ _0\"></span>nt at whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>ted. A<span class=\"_ _0\"></span>n acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt that is d<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>d to be fra<span class=\"_ _0\"></span>udu<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nt (i.e. t<span class=\"_ _0\"></span>hir<span class=\"_ _0\"></span>d par<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion f<span class=\"_ _0\"></span>rau<span class=\"_ _0\"></span>d) is wr<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ten of<span class=\"_ _0\"></span>f at po<span class=\"_ _0\"></span>int of id<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">I<span class=\"_ _0\"></span>n som<span class=\"_ _0\"></span>e ci<span class=\"_ _0\"></span>rcu<span class=\"_ _0\"></span>msta<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s whe<span class=\"_ _0\"></span>re as<span class=\"_ _0\"></span>sets are b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght </span></span>bac<span class=\"_ _0\"></span>k by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated wit<span class=\"_ _0\"></span>h the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e meet<span class=\"_ _0\"></span>s the d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion of p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r originat<span class=\"_ _1\"></span>ed credit<span class=\"_ _1\"></span>-impaired<span class=\"_ _1\"></span> (\u201c<span class=\"_ _0\"></span>POCI<span class=\"_ _0\"></span>\u201d)<span class=\"_ _1\"></span>, and impairmen<span class=\"_ _1\"></span>t is th<span class=\"_ _0\"></span>erefore b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses o<span class=\"_ _0\"></span>n a for<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>d-l<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s the expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith i<span class=\"_ _0\"></span>ts f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial as<span class=\"_ _0\"></span>sets ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ied at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es a l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for su<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es at eac<span class=\"_ _0\"></span>h rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g date. The m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent of ECL<span class=\"_ _0\"></span>s refl<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cts: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">an unbiased<span class=\"_ _1\"></span> and probability<span class=\"_ _1\"></span>-weight<span class=\"_ _1\"></span>ed amount<span class=\"_ _1\"></span> </span></span>that is d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed by eval<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>ng a ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e of possible outcomes<span class=\"_ _1\"></span>; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e ti<span class=\"_ _0\"></span>me val<span class=\"_ _0\"></span>ue of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey; and</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsa ws9\">reasona<span class=\"_ _1\"></span>ble and supportable<span class=\"_ _1\"></span> info<span class=\"_ _1\"></span>rmation t<span class=\"_ _1\"></span>hat is<span class=\"_ _1\"></span> </span></span>avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>tho<span class=\"_ _0\"></span>ut un<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>e cost o<span class=\"_ _0\"></span>r ef<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>t at th<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date abo<span class=\"_ _0\"></span>ut pa<span class=\"_ _0\"></span>st events, cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d for<span class=\"_ _1\"></span>ecasts<span class=\"_ _1\"></span> of fut<span class=\"_ _1\"></span>ure econ<span class=\"_ _1\"></span>omic conditi<span class=\"_ _1\"></span>ons.<span class=\"_ _2d6\"> </span>If in a s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ent p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt los<span class=\"_ _0\"></span>s de<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e dec<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>lated obj<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ivel<span class=\"_ _0\"></span>y to an event occ<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng af<span class=\"_ _0\"></span>ter th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent was<span class=\"_ _1\"></span> recognised, the pr<span class=\"_ _1\"></span>eviously recognised impairment<span class=\"_ _1\"></span> los<span class=\"_ _0\"></span>s is rever<span class=\"_ _0\"></span>sed, to th<span class=\"_ _0\"></span>e extent th<span class=\"_ _0\"></span>at the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of the as<span class=\"_ _0\"></span>set d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot exceed i<span class=\"_ _0\"></span>ts am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t at the rever<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>l date. Any su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>nt revers<span class=\"_ _0\"></span>al of a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of comprehensi<span class=\"_ _1\"></span>ve income.<span class=\"_ _2d6\"> </span>Derecognit<span class=\"_ _1\"></span>ion of financi<span class=\"_ _1\"></span>al assets<span class=\"_ _2d6\"> </span>Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are d<span class=\"_ _0\"></span>erec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>nly w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n the cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l rig<span class=\"_ _0\"></span>hts to the c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ows from t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial ass<span class=\"_ _0\"></span>ets expi<span class=\"_ _0\"></span>re or th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>as eit<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red th<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l rig<span class=\"_ _0\"></span>ht to rece<span class=\"_ _0\"></span>ive the c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows from t<span class=\"_ _0\"></span>hat ass<span class=\"_ _0\"></span>et, or h<span class=\"_ _0\"></span>as ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>n obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to pay thos<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows to one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re reci<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p de<span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s a tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>et if it t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sfers s<span class=\"_ _0\"></span>ubst<span class=\"_ _0\"></span>anti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y al<span class=\"_ _0\"></span>l the r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>s and rewa<span class=\"_ _0\"></span>rds of own<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-442": {
   "value": "The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p deter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of its f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial ass<span class=\"_ _0\"></span>ets at in<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>al rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>e req<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts of IFR<span class=\"_ _0\"></span>S 9 for cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n and s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>re ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>ed, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>re fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets to be c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s mo<span class=\"_ _0\"></span>del fo<span class=\"_ _0\"></span>r man<span class=\"_ _0\"></span>agi<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he ass<span class=\"_ _0\"></span>et and t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>low c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>acte<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>tic<span class=\"_ _0\"></span>s of the asset: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost if </span></span>they a<span class=\"_ _0\"></span>re hel<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n a bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el, t<span class=\"_ _0\"></span>he ob<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>ctive of whi<span class=\"_ _0\"></span>ch is to ho<span class=\"_ _0\"></span>ld f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets in o<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>r to col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ct cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows, an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y paym<span class=\"_ _0\"></span>ents of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l and i<span class=\"_ _0\"></span>nterest;<span class=\"_ _2d6\"> </span>l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh </span>othe<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>mpre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>ome (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TOCI<span class=\"_ _2\"></span>\u201d) if th<span class=\"_ _0\"></span>ey are hel<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed as \u201d<span class=\"_ _0\"></span>hel<span class=\"_ _0\"></span>d to co<span class=\"_ _0\"></span>lle<span class=\"_ _0\"></span>ct a<span class=\"_ _0\"></span>nd se<span class=\"_ _0\"></span>ll<span class=\"_ _2\"></span>\u201d<span class=\"_ _5\"></span>, t<span class=\"_ _0\"></span>he ob<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve of whic<span class=\"_ _0\"></span>h is ac<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>eved by both c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ctin<span class=\"_ _0\"></span>g co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows an<span class=\"_ _0\"></span>d se<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y paym<span class=\"_ _0\"></span>ents of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l and i<span class=\"_ _0\"></span>nterest; a<span class=\"_ _0\"></span>nd <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets that d<span class=\"_ _0\"></span>o not me<span class=\"_ _0\"></span>et the c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a to be </span></span>amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cost o<span class=\"_ _0\"></span>r F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TOCI a<span class=\"_ _0\"></span>re mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s (\u201c<span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>PL<span class=\"_ _5\"></span>\u201d). In ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n, the Gro<span class=\"_ _0\"></span>up may<span class=\"_ _1\"></span>, at i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on, d<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gnate a f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al ass<span class=\"_ _0\"></span>et as me<span class=\"_ _0\"></span>asure<span class=\"_ _0\"></span>d at F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL i<span class=\"_ _0\"></span>f doi<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>o el<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>nates o<span class=\"_ _0\"></span>r significantly r<span class=\"_ _1\"></span>educes an accounting mi<span class=\"_ _1\"></span>smatch.<span class=\"_ _2d6\"> </span>Wh<span class=\"_ _0\"></span>en f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly, they are mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e, pl<span class=\"_ _0\"></span>us, i<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ase of i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts not at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t or l<span class=\"_ _0\"></span>oss, d<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly at<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>utab<span class=\"_ _0\"></span>le tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>osts<span class=\"_ _0\"></span>. The p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase of a<span class=\"_ _0\"></span>ny cred<span class=\"_ _0\"></span>it-im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red ass<span class=\"_ _0\"></span>ets is a<span class=\"_ _0\"></span>lso at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue af<span class=\"_ _0\"></span>ter a<span class=\"_ _0\"></span>ny imp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-443": {
   "value": "Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e she<span class=\"_ _0\"></span>et as tra<span class=\"_ _0\"></span>de an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>e cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed as a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed cost<span class=\"_ _0\"></span>. They a<span class=\"_ _0\"></span>re rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>niti<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue a<span class=\"_ _0\"></span>nd subse<span class=\"_ _1\"></span>quently m<span class=\"_ _1\"></span>easured<span class=\"_ _1\"></span> at amortised<span class=\"_ _1\"></span> cost less<span class=\"_ _1\"></span> prov<span class=\"_ _1\"></span>ision for<span class=\"_ _1\"></span> impairment. Net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in s<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>eivab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>es are re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d as othe<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es rep<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e net p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt valu<span class=\"_ _0\"></span>e of th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se paym<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e. I<span class=\"_ _0\"></span>nterest is rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r cos<span class=\"_ _0\"></span>ts in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of comprehensi<span class=\"_ _1\"></span>ve income.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-444": {
   "value": "Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tised cost w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he excepti<span class=\"_ _0\"></span>on of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey mar<span class=\"_ _0\"></span>ket fund<span class=\"_ _0\"></span>s that are c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL<span class=\"_ _0\"></span>. Ca<span class=\"_ _0\"></span>sh an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>val<span class=\"_ _0\"></span>ents inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de c<span class=\"_ _0\"></span>ash i<span class=\"_ _0\"></span>n ha<span class=\"_ _0\"></span>nd, de<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>its h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at ca<span class=\"_ _0\"></span>ll wi<span class=\"_ _0\"></span>th ba<span class=\"_ _0\"></span>nks, money<span class=\"_ _1\"></span> market<span class=\"_ _1\"></span> funds and<span class=\"_ _1\"></span> other short<span class=\"_ _1\"></span>-term h<span class=\"_ _1\"></span>ighly liquid investm<span class=\"_ _0\"></span>ents w<span class=\"_ _0\"></span>ith o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>al m<span class=\"_ _0\"></span>atur<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s of thre<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>nths o<span class=\"_ _0\"></span>r les<span class=\"_ _0\"></span>s. T<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roximates to thei<span class=\"_ _0\"></span>r fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-458": {
   "value": "Impairment<span class=\"_ _1\"></span> of financial<span class=\"_ _1\"></span> assets h<span class=\"_ _1\"></span>eld at amortised<span class=\"_ _1\"></span> cost<span class=\"_ _2d6\"> </span>The Gr<span class=\"_ _1\"></span>oup applies the<span class=\"_ _1\"></span> impairment requir<span class=\"_ _1\"></span>ements o<span class=\"_ _1\"></span>f IFR<span class=\"_ _0\"></span>S 9. The I<span class=\"_ _0\"></span>FRS 9 im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>irm<span class=\"_ _0\"></span>ent m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>res a th<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>-<span class=\"_ _2d6\"> </span>stage appr<span class=\"_ _1\"></span>oach: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 1 in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>at have not </span></span>had a s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k sin<span class=\"_ _0\"></span>ce i<span class=\"_ _0\"></span>niti<span class=\"_ _0\"></span>al rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>r that h<span class=\"_ _0\"></span>ave low cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk at t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>por<span class=\"_ _2\"></span>ting date. For th<span class=\"_ _0\"></span>ese a<span class=\"_ _0\"></span>ssets<span class=\"_ _0\"></span>, 12<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>mont<span class=\"_ _0\"></span>h expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit los<span class=\"_ _0\"></span>ses (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>ECL<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u201d) (that i<span class=\"_ _0\"></span>s, expe<span class=\"_ _0\"></span>cted l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng f<span class=\"_ _0\"></span>rom the r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of defau<span class=\"_ _0\"></span>lt in t<span class=\"_ _0\"></span>he nex<span class=\"_ _0\"></span>t 12 month<span class=\"_ _0\"></span>s) are reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d and i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e is ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated on th<span class=\"_ _0\"></span>e gros<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unt of th<span class=\"_ _0\"></span>e as<span class=\"_ _0\"></span>set (that is<span class=\"_ _0\"></span>, wit<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>t ded<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e)<span class=\"_ _1\"></span>.  <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 2 in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>at have had a </span></span>significant increa<span class=\"_ _1\"></span>se in credit risk<span class=\"_ _1\"></span> since initial recognition (unle<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>ey have low cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k at the r<span class=\"_ _0\"></span>epo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date) but a<span class=\"_ _0\"></span>re not c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>red. Fo<span class=\"_ _0\"></span>r the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets, l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs (th<span class=\"_ _0\"></span>at is, exp<span class=\"_ _0\"></span>ected l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g from t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isk of defau<span class=\"_ _0\"></span>lt over th<span class=\"_ _0\"></span>e life of th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent) are rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d, an<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e is st<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lated o<span class=\"_ _0\"></span>n the g<span class=\"_ _0\"></span>ross c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>re has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n a si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k if o<span class=\"_ _0\"></span>utst<span class=\"_ _0\"></span>and<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g amo<span class=\"_ _0\"></span>unts o<span class=\"_ _0\"></span>n the f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets exceed 3<span class=\"_ _0\"></span>0 days pas<span class=\"_ _0\"></span>t due, i<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e rebu<span class=\"_ _0\"></span>tta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e pres<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n pe<span class=\"_ _0\"></span>r IFRS 9, o<span class=\"_ _0\"></span>r if a li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t is late, or has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n frozen due to an i<span class=\"_ _0\"></span>dent<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease i<span class=\"_ _0\"></span>n ri<span class=\"_ _0\"></span>sk suc<span class=\"_ _0\"></span>h as b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>ate on a thi<span class=\"_ _0\"></span>rd pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty d<span class=\"_ _0\"></span>ebt at wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h po<span class=\"_ _0\"></span>int th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to be s<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 2. <span class=\"_ _1d\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff1a fc5 ls5d ws111\">S<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e <span class=\"_ _1\"></span>3 con<span class=\"_ _0\"></span>sist<span class=\"_ _0\"></span>s <span class=\"_ _1\"></span>of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l assets that are <span class=\"_ _1\"></span>c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-\u200aimpa<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d,<span class=\"_ _2d6\"> </span></span></span>whi<span class=\"_ _0\"></span>ch is w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re events th<span class=\"_ _0\"></span>at have a detri<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>ntal<span class=\"_ _0\"></span> im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t on th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated f<span class=\"_ _0\"></span>uture c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>et have occ<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>red. Fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>ese as<span class=\"_ _0\"></span>sets, l<span class=\"_ _0\"></span>ifeti<span class=\"_ _0\"></span>me EC<span class=\"_ _0\"></span>Ls are a<span class=\"_ _0\"></span>lso re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed, b<span class=\"_ _0\"></span>ut i<span class=\"_ _0\"></span>nterest i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lated on th<span class=\"_ _0\"></span>e net c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt (that is, n<span class=\"_ _0\"></span>et of the EC<span class=\"_ _0\"></span>L al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce). The Gro<span class=\"_ _0\"></span>up def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es a defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t, cla<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s sta<span class=\"_ _0\"></span>ge 3, as a<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>et wit<span class=\"_ _0\"></span>h any out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts exceed<span class=\"_ _0\"></span>ing a 9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>day du<span class=\"_ _0\"></span>e date, whi<span class=\"_ _0\"></span>ch ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e poi<span class=\"_ _0\"></span>nt at whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>et is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>ted. A<span class=\"_ _0\"></span>n acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt that is d<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>d to be fra<span class=\"_ _0\"></span>udu<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nt (i.e. t<span class=\"_ _0\"></span>hir<span class=\"_ _0\"></span>d par<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y ap<span class=\"_ _0\"></span>pli<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion f<span class=\"_ _0\"></span>rau<span class=\"_ _0\"></span>d) is wr<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ten of<span class=\"_ _0\"></span>f at po<span class=\"_ _0\"></span>int of id<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">I<span class=\"_ _0\"></span>n som<span class=\"_ _0\"></span>e ci<span class=\"_ _0\"></span>rcu<span class=\"_ _0\"></span>msta<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s whe<span class=\"_ _0\"></span>re as<span class=\"_ _0\"></span>sets are b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght </span></span>bac<span class=\"_ _0\"></span>k by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated wit<span class=\"_ _0\"></span>h the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e meet<span class=\"_ _0\"></span>s the d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion of p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r originat<span class=\"_ _1\"></span>ed credit<span class=\"_ _1\"></span>-impaired<span class=\"_ _1\"></span> (\u201c<span class=\"_ _0\"></span>POCI<span class=\"_ _0\"></span>\u201d)<span class=\"_ _1\"></span>, and impairmen<span class=\"_ _1\"></span>t is th<span class=\"_ _0\"></span>erefore b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses o<span class=\"_ _0\"></span>n a for<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>d-l<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s the expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith i<span class=\"_ _0\"></span>ts f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial as<span class=\"_ _0\"></span>sets ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ied at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>es a l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for su<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es at eac<span class=\"_ _0\"></span>h rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g date. The m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent of ECL<span class=\"_ _0\"></span>s refl<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cts: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">an unbiased<span class=\"_ _1\"></span> and probability<span class=\"_ _1\"></span>-weight<span class=\"_ _1\"></span>ed amount<span class=\"_ _1\"></span> </span></span>that is d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed by eval<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>ng a ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e of possible outcomes<span class=\"_ _1\"></span>; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">th<span class=\"_ _0\"></span>e ti<span class=\"_ _0\"></span>me val<span class=\"_ _0\"></span>ue of m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ey; and</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsa ws9\">reasona<span class=\"_ _1\"></span>ble and supportable<span class=\"_ _1\"></span> info<span class=\"_ _1\"></span>rmation t<span class=\"_ _1\"></span>hat is<span class=\"_ _1\"></span> </span></span>avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>tho<span class=\"_ _0\"></span>ut un<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>e cost o<span class=\"_ _0\"></span>r ef<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>t at th<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date abo<span class=\"_ _0\"></span>ut pa<span class=\"_ _0\"></span>st events, cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d for<span class=\"_ _1\"></span>ecasts<span class=\"_ _1\"></span> of fut<span class=\"_ _1\"></span>ure econ<span class=\"_ _1\"></span>omic conditi<span class=\"_ _1\"></span>ons.<span class=\"_ _2d6\"> </span>If in a s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ent p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt los<span class=\"_ _0\"></span>s de<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e dec<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>lated obj<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ivel<span class=\"_ _0\"></span>y to an event occ<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng af<span class=\"_ _0\"></span>ter th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent was<span class=\"_ _1\"></span> recognised, the pr<span class=\"_ _1\"></span>eviously recognised impairment<span class=\"_ _1\"></span> los<span class=\"_ _0\"></span>s is rever<span class=\"_ _0\"></span>sed, to th<span class=\"_ _0\"></span>e extent th<span class=\"_ _0\"></span>at the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of the as<span class=\"_ _0\"></span>set d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot exceed i<span class=\"_ _0\"></span>ts am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t at the rever<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>l date. Any su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>nt revers<span class=\"_ _0\"></span>al of a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent l<span class=\"_ _0\"></span>oss is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of comprehensi<span class=\"_ _1\"></span>ve income.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-445": {
   "value": "Derecognit<span class=\"_ _1\"></span>ion of financi<span class=\"_ _1\"></span>al assets<span class=\"_ _2d6\"> </span>Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>ets are d<span class=\"_ _0\"></span>erec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>nly w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n the cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l rig<span class=\"_ _0\"></span>hts to the c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ows from t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial ass<span class=\"_ _0\"></span>ets expi<span class=\"_ _0\"></span>re or th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>as eit<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red th<span class=\"_ _0\"></span>e cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l rig<span class=\"_ _0\"></span>ht to rece<span class=\"_ _0\"></span>ive the c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows from t<span class=\"_ _0\"></span>hat ass<span class=\"_ _0\"></span>et, or h<span class=\"_ _0\"></span>as ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>n obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to pay thos<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows to one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re reci<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p de<span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s a tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ass<span class=\"_ _0\"></span>et if it t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sfers s<span class=\"_ _0\"></span>ubst<span class=\"_ _0\"></span>anti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y al<span class=\"_ _0\"></span>l the r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>s and rewa<span class=\"_ _0\"></span>rds of own<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span>A fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s dere<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d whe<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s disc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d or c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cel<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d or exp<span class=\"_ _0\"></span>ires<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-415": {
   "value": "Financial liabilities<span class=\"_ _2d6\"> </span>Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>de an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er payab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e and s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>entl<span class=\"_ _0\"></span>y at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cost<span class=\"_ _0\"></span>. The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of a non<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nterest-be<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ing lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y is i<span class=\"_ _0\"></span>ts dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nted rep<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nt am<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>. If th<span class=\"_ _0\"></span>e due date of the l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s le<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>an o<span class=\"_ _0\"></span>ne year, discou<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>ng is om<span class=\"_ _1\"></span>itted.<span class=\"_ _2d6\"> </span>A fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s dere<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d whe<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s disc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d or c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cel<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d or exp<span class=\"_ _0\"></span>ires<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Bank borro<span class=\"_ _1\"></span>wings<span class=\"_ _2d6\"> </span>Ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs (drawdown<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he cre<span class=\"_ _0\"></span>dit f<span class=\"_ _0\"></span>aci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ties) are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e, bei<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r iss<span class=\"_ _0\"></span>ue pro<span class=\"_ _0\"></span>cee<span class=\"_ _0\"></span>ds net of t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n cos<span class=\"_ _0\"></span>ts in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. The<span class=\"_ _0\"></span>se instrumen<span class=\"_ _1\"></span>ts are<span class=\"_ _1\"></span> subsequently<span class=\"_ _1\"></span> measured a<span class=\"_ _1\"></span>t amortised cost u<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e effe<span class=\"_ _0\"></span>ctive i<span class=\"_ _0\"></span>nterest rate m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-446": {
   "value": "Bank borro<span class=\"_ _1\"></span>wings<span class=\"_ _2d6\"> </span>Ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs (drawdown<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he cre<span class=\"_ _0\"></span>dit f<span class=\"_ _0\"></span>aci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ties) are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tia<span class=\"_ _0\"></span>lly at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e, bei<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r iss<span class=\"_ _0\"></span>ue pro<span class=\"_ _0\"></span>cee<span class=\"_ _0\"></span>ds net of t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n cos<span class=\"_ _0\"></span>ts in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d. The<span class=\"_ _0\"></span>se instrumen<span class=\"_ _1\"></span>ts are<span class=\"_ _1\"></span> subsequently<span class=\"_ _1\"></span> measured a<span class=\"_ _1\"></span>t amortised cost u<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e effe<span class=\"_ _0\"></span>ctive i<span class=\"_ _0\"></span>nterest rate m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-375": {
   "value": "Provisions<span class=\"_ _2d6\"> </span>Provis<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed w<span class=\"_ _0\"></span>hen t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has a p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt obl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n (le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l or co<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ctive) as a res<span class=\"_ _0\"></span>ult of a p<span class=\"_ _0\"></span>ast event; it is p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e that t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p wil<span class=\"_ _0\"></span>l be re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d to set<span class=\"_ _0\"></span>tle t<span class=\"_ _0\"></span>hat ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd a re<span class=\"_ _0\"></span>lia<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mate ca<span class=\"_ _0\"></span>n be m<span class=\"_ _0\"></span>ade of the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-376": {
   "value": "Loan<span class=\"_ _1\"></span> repurchases<span class=\"_ _2d6\"> </span>Loan re<span class=\"_ _0\"></span>pur<span class=\"_ _0\"></span>chas<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>cts is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>re tho<span class=\"_ _0\"></span>se co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>at req<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>e a payme<span class=\"_ _0\"></span>nt to be ma<span class=\"_ _0\"></span>de to reim<span class=\"_ _0\"></span>bu<span class=\"_ _0\"></span>rse t<span class=\"_ _0\"></span>he ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>er for a l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>t in<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>use t<span class=\"_ _0\"></span>he sp<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed d<span class=\"_ _0\"></span>ebtor fai<span class=\"_ _0\"></span>ls to make a paym<span class=\"_ _0\"></span>ent w<span class=\"_ _0\"></span>hen d<span class=\"_ _0\"></span>ue i<span class=\"_ _0\"></span>n acc<span class=\"_ _0\"></span>ord<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>h the ter<span class=\"_ _0\"></span>ms of a d<span class=\"_ _0\"></span>ebt ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt. Loa<span class=\"_ _0\"></span>n rep<span class=\"_ _0\"></span>urch<span class=\"_ _0\"></span>ase c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>s are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly as a l<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e, adj<span class=\"_ _0\"></span>usted fo<span class=\"_ _0\"></span>r tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on co<span class=\"_ _0\"></span>sts th<span class=\"_ _0\"></span>at are dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y att<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>uta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e to the is<span class=\"_ _0\"></span>sua<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e of the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>. The lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y is s<span class=\"_ _0\"></span>ubse<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>entl<span class=\"_ _0\"></span>y mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at th<span class=\"_ _0\"></span>e hig<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r of the bes<span class=\"_ _0\"></span>t est<span class=\"_ _0\"></span>imate of the exp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ditu<span class=\"_ _0\"></span>re req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red to set<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>e the pres<span class=\"_ _0\"></span>ent ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>on at t<span class=\"_ _0\"></span>he rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g date and t<span class=\"_ _0\"></span>he am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt recogni<span class=\"_ _1\"></span>sed less c<span class=\"_ _1\"></span>umulativ<span class=\"_ _1\"></span>e amortisat<span class=\"_ _1\"></span>ion. The e<span class=\"_ _1\"></span>xpect<span class=\"_ _1\"></span>ed cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el is u<span class=\"_ _0\"></span>sed to m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>re an<span class=\"_ _0\"></span>d rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise t<span class=\"_ _0\"></span>he financial liability<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-377": {
   "value": "Share capi<span class=\"_ _1\"></span>tal Ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares a<span class=\"_ _0\"></span>re cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d as eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y wh<span class=\"_ _0\"></span>ere t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r term<span class=\"_ _0\"></span>s inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de n<span class=\"_ _0\"></span>o cont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>tual o<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to tran<span class=\"_ _0\"></span>sfer ca<span class=\"_ _0\"></span>sh or another financial a<span class=\"_ _1\"></span>sset t<span class=\"_ _1\"></span>o another ent<span class=\"_ _1\"></span>it<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-378": {
   "value": "Earnings/<span class=\"_ _1\"></span>(lo<span class=\"_ _1\"></span>ss)<span class=\"_ _1\"></span> per share<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p pre<span class=\"_ _0\"></span>sents b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>c an<span class=\"_ _0\"></span>d dil<span class=\"_ _0\"></span>uted e<span class=\"_ _0\"></span>arn<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs/(los<span class=\"_ _0\"></span>ses) pe<span class=\"_ _0\"></span>r sha<span class=\"_ _0\"></span>re (\u201c<span class=\"_ _0\"></span>EP<span class=\"_ _0\"></span>S<span class=\"_ _0\"></span>\u201d) for i<span class=\"_ _0\"></span>ts or<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s. B<span class=\"_ _0\"></span>asic a<span class=\"_ _0\"></span>nd dil<span class=\"_ _0\"></span>uted EP<span class=\"_ _0\"></span>S are c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cul<span class=\"_ _0\"></span>ated by div<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(loss) att<span class=\"_ _0\"></span>rib<span class=\"_ _0\"></span>uta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e to ordi<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>reho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s by the wei<span class=\"_ _0\"></span>ghted averag<span class=\"_ _0\"></span>e nu<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r of ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares o<span class=\"_ _0\"></span>uts<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the yea<span class=\"_ _0\"></span>r exclu<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g sha<span class=\"_ _0\"></span>res h<span class=\"_ _0\"></span>eld a<span class=\"_ _0\"></span>s own sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _0\"></span>\u2019s Emp<span class=\"_ _0\"></span>loyee B<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>efit T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>usts<span class=\"_ _0\"></span>. For di<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ted ear<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ngs p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>hare, t<span class=\"_ _0\"></span>he wei<span class=\"_ _0\"></span>ghted aver<span class=\"_ _0\"></span>age num<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r of ordi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n iss<span class=\"_ _0\"></span>ue i<span class=\"_ _0\"></span>s adj<span class=\"_ _0\"></span>usted to ass<span class=\"_ _0\"></span>ume c<span class=\"_ _0\"></span>onver<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n of al<span class=\"_ _0\"></span>l dil<span class=\"_ _0\"></span>uti<span class=\"_ _0\"></span>ve potenti<span class=\"_ _0\"></span>al or<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y sha<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>. The di<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>tive p<span class=\"_ _0\"></span>otentia<span class=\"_ _0\"></span>l ordi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sha<span class=\"_ _0\"></span>res i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>e tho<span class=\"_ _0\"></span>se sh<span class=\"_ _0\"></span>are o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns gr<span class=\"_ _0\"></span>anted to em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyees un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he Group\u2019s<span class=\"_ _1\"></span> share-based compen<span class=\"_ _1\"></span>sation schemes<span class=\"_ _1\"></span> which do not have an exerc<span class=\"_ _0\"></span>ise p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e or w<span class=\"_ _0\"></span>her<span class=\"_ _0\"></span>e the exerci<span class=\"_ _0\"></span>se p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e is le<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>an th<span class=\"_ _0\"></span>e avera<span class=\"_ _0\"></span>ge ma<span class=\"_ _0\"></span>rket pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e of the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny<span class=\"_ _0\"></span>\u2019s ordi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares d<span class=\"_ _0\"></span>uri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he year.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-379": {
   "value": "Sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>ld by th<span class=\"_ _0\"></span>e Emp<span class=\"_ _0\"></span>loyee B<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ef<span class=\"_ _0\"></span>it T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>st a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re Incentive<span class=\"_ _1\"></span> Plan T<span class=\"_ _5\"></span>rust<span class=\"_ _2d6\"> </span>The C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny has est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>ish<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>n of<span class=\"_ _0\"></span>fsho<span class=\"_ _0\"></span>re Emp<span class=\"_ _0\"></span>loyee Be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>it T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t (\u201c<span class=\"_ _0\"></span>EBT<span class=\"_ _0\"></span>\u201d) a<span class=\"_ _0\"></span>nd an o<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>hore S<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re Inc<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ve Pla<span class=\"_ _0\"></span>n (\u201cSIP<span class=\"_ _0\"></span>\u201d) T<span class=\"_ _5\"></span>rust.<span class=\"_ _2d6\"> </span>The EBT a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>IP T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>st prov<span class=\"_ _0\"></span>ide for t<span class=\"_ _0\"></span>he is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>e of sha<span class=\"_ _0\"></span>res to Group emplo<span class=\"_ _1\"></span>yees princ<span class=\"_ _1\"></span>ipally under shar<span class=\"_ _1\"></span>e option s<span class=\"_ _1\"></span>chemes and S<span class=\"_ _0\"></span>I<span class=\"_ _0\"></span>P resp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ivel<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. Th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s cont<span class=\"_ _0\"></span>rol of th<span class=\"_ _0\"></span>e EBT an<span class=\"_ _0\"></span>d SI<span class=\"_ _0\"></span>P T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t and t<span class=\"_ _0\"></span>her<span class=\"_ _0\"></span>efore con<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ates the T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>sts i<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al st<span class=\"_ _0\"></span>atements<span class=\"_ _0\"></span>. Si<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e 2022, the T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>stee of th<span class=\"_ _0\"></span>e EBT has p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _0\"></span>\u2019s sha<span class=\"_ _0\"></span>res in t<span class=\"_ _0\"></span>he ma<span class=\"_ _0\"></span>rket in o<span class=\"_ _0\"></span>rde<span class=\"_ _0\"></span>r to<span class=\"_ _1\"></span> satisfy the<span class=\"_ _1\"></span> ex<span class=\"_ _1\"></span>ercise o<span class=\"_ _1\"></span>f employ<span class=\"_ _1\"></span>ee share op<span class=\"_ _1\"></span>tion schemes.<span class=\"_ _2d6\"> </span>Sha<span class=\"_ _0\"></span>res wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are p<span class=\"_ _0\"></span>urch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d are re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d at cost and a<span class=\"_ _0\"></span>re tre<span class=\"_ _0\"></span>ated as a de<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n to share<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>\u2019 e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. No g<span class=\"_ _0\"></span>ain o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss is re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent on th<span class=\"_ _0\"></span>e pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se or u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "fundingcircleholdingsplc:DescriptionOfAccountingPolicyForSharesHeldByEmployeeBenefitTrustAndShareIncentivePlanTrust",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-380": {
   "value": "Reserves<span class=\"_ _2d6\"> </span>Foreign<span class=\"_ _1\"></span> ex<span class=\"_ _1\"></span>change reserve<span class=\"_ _2d6\"> </span>The fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve rep<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>mul<span class=\"_ _0\"></span>ative forei<span class=\"_ _0\"></span>gn cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy t<span class=\"_ _0\"></span>rans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion m<span class=\"_ _0\"></span>oveme<span class=\"_ _0\"></span>nt on th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets an<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies of th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup<span class=\"_ _0\"></span>\u2019s inter<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns at year-<span class=\"_ _2d6\"> </span>end <span class=\"_ _0\"></span>exchang<span class=\"_ _0\"></span>e rates a<span class=\"_ _0\"></span>nd o<span class=\"_ _0\"></span>n the p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s items f<span class=\"_ _0\"></span>rom av<span class=\"_ _1\"></span>erage ex<span class=\"_ _1\"></span>change rat<span class=\"_ _1\"></span>es t<span class=\"_ _1\"></span>o year<span class=\"_ _5\"></span>-<span class=\"_ _0\"></span>end e<span class=\"_ _1\"></span>xchange ra<span class=\"_ _1\"></span>tes.<span class=\"_ _2d6\"> </span>Share pr<span class=\"_ _1\"></span>emium Proc<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>ds rec<span class=\"_ _0\"></span>eive<span class=\"_ _0\"></span>d in exces<span class=\"_ _0\"></span>s of the n<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l valu<span class=\"_ _0\"></span>e of sha<span class=\"_ _0\"></span>res is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed, o<span class=\"_ _0\"></span>r on th<span class=\"_ _0\"></span>e mar<span class=\"_ _0\"></span>ket valu<span class=\"_ _0\"></span>e of sh<span class=\"_ _0\"></span>ares exercise<span class=\"_ _0\"></span>d in exces<span class=\"_ _0\"></span>s of th<span class=\"_ _0\"></span>e exercise p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce net of a<span class=\"_ _0\"></span>ny transaction<span class=\"_ _1\"></span> costs.<span class=\"_ _2d6\"> </span>Share op<span class=\"_ _1\"></span>tions re<span class=\"_ _1\"></span>ser<span class=\"_ _0\"></span>ve<span class=\"_ _2d6\"> </span>The s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>e opti<span class=\"_ _0\"></span>ons re<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>mu<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve cha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>s to inc<span class=\"_ _0\"></span>ome u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er I<span class=\"_ _0\"></span>FRS 2 Sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>-b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d Payme<span class=\"_ _0\"></span>nts on a<span class=\"_ _0\"></span>ll sh<span class=\"_ _0\"></span>are o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d sc<span class=\"_ _0\"></span>hem<span class=\"_ _0\"></span>es g<span class=\"_ _0\"></span>ranted, n<span class=\"_ _0\"></span>et of sha<span class=\"_ _0\"></span>re opti<span class=\"_ _0\"></span>on exerci<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>osts a<span class=\"_ _0\"></span>re tr<span class=\"_ _0\"></span>ansfer<span class=\"_ _0\"></span>red to reta<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed earnings when op<span class=\"_ _1\"></span>tions are e<span class=\"_ _1\"></span>xercis<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>d.",
   "dimensions": {
    "concept": "fundingcircleholdingsplc:DescriptionOfAccountingPolicyForReserves",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-381": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs53d\">2<span class=\"_ _0\"></span>. Cr<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unt<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g ju<span class=\"_ _0\"></span>dg<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ts a<span class=\"_ _0\"></span>nd key sou<span class=\"_ _0\"></span>rc<span class=\"_ _0\"></span>es of </div><div class=\"t m0 h8 ff2 fs4 fc4 sc0 lsc wsb gs53e\">estimation<span class=\"_ _1\"></span> unce<span class=\"_ _0\"></span>rtainty<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs53f\">The p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>arat<span class=\"_ _0\"></span>ion of t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs540\">req<span class=\"_ _0\"></span>uire<span class=\"_ _0\"></span>s the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p to make est<span class=\"_ _0\"></span>imates a<span class=\"_ _0\"></span>nd j<span class=\"_ _0\"></span>udg<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ents </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs541\">that af<span class=\"_ _0\"></span>fect t<span class=\"_ _0\"></span>he a<span class=\"_ _0\"></span>ppl<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of po<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d repo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ted </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs542\">amounts<span class=\"_ _1\"></span>. Critical judgemen<span class=\"_ _1\"></span>ts repre<span class=\"_ _1\"></span>sent k<span class=\"_ _1\"></span>ey decis<span class=\"_ _1\"></span>ions </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs543\">mad<span class=\"_ _0\"></span>e by man<span class=\"_ _0\"></span>age<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs544\">accounting policies.<span class=\"_ _1\"></span> W<span class=\"_ _0\"></span>here a<span class=\"_ _1\"></span> signific<span class=\"_ _0\"></span>ant risk<span class=\"_ _1\"></span> of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs545\">mat<span class=\"_ _1\"></span>erially diff<span class=\"_ _1\"></span>erent out<span class=\"_ _1\"></span>comes e<span class=\"_ _1\"></span>xists<span class=\"_ _1\"></span> due to<span class=\"_ _1\"></span> management </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs546\">ass<span class=\"_ _0\"></span>umpt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns or s<span class=\"_ _0\"></span>ourc<span class=\"_ _0\"></span>es of es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n unc<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>aint<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>is wi<span class=\"_ _0\"></span>ll </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs547\">rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt a key sourc<span class=\"_ _0\"></span>e of esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on u<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>int<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs2e6\">Estima<span class=\"_ _1\"></span>tes<span class=\"_ _1\"></span> and judgements<span class=\"_ _1\"></span> are con<span class=\"_ _1\"></span>tinually ev<span class=\"_ _1\"></span>aluat<span class=\"_ _1\"></span>ed and </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs548\">are ba<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d on expe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d othe<span class=\"_ _0\"></span>r facto<span class=\"_ _0\"></span>rs, i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2e8\">expec<span class=\"_ _0\"></span>tati<span class=\"_ _0\"></span>ons of fu<span class=\"_ _0\"></span>ture events t<span class=\"_ _0\"></span>hat are b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ieved to b<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs549\">reasonable<span class=\"_ _1\"></span> un<span class=\"_ _0\"></span>der the<span class=\"_ _1\"></span> circumstances. Although these<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs54a\">esti<span class=\"_ _0\"></span>mates ar<span class=\"_ _0\"></span>e base<span class=\"_ _0\"></span>d on m<span class=\"_ _0\"></span>ana<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>\u2019s be<span class=\"_ _0\"></span>st kn<span class=\"_ _0\"></span>owl<span class=\"_ _0\"></span>edg<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2eb\">of the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt, event or a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>, actu<span class=\"_ _0\"></span>al res<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>s ult<span class=\"_ _0\"></span>imate<span class=\"_ _0\"></span>ly </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs54b\">may differ fr<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>m those estimat<span class=\"_ _1\"></span>es.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2ed\">The s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant ju<span class=\"_ _0\"></span>dg<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>nd est<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ates app<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs54c\">Gro<span class=\"_ _0\"></span>up i<span class=\"_ _0\"></span>n the f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents have b<span class=\"_ _0\"></span>een a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs2ef\">a co<span class=\"_ _0\"></span>nsis<span class=\"_ _0\"></span>tent bas<span class=\"_ _0\"></span>is wit<span class=\"_ _0\"></span>h the f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l statem<span class=\"_ _0\"></span>ents for t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs54d\">com<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ve year to 31 Dec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs54f\">Critical<span class=\"_ _1\"></span> judgements<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs550\">Loans<span class=\"_ _1\"></span> originated<span class=\"_ _1\"></span> through th<span class=\"_ _1\"></span>e platform<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs551\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p or<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>inates S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns th<span class=\"_ _0\"></span>roug<span class=\"_ _0\"></span>h its p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs552\">whi<span class=\"_ _0\"></span>ch have b<span class=\"_ _0\"></span>een f<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>ded p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ly by ba<span class=\"_ _0\"></span>nks, as<span class=\"_ _0\"></span>set </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs553\">manager<span class=\"_ _0\"></span>s, other institutional inv<span class=\"_ _1\"></span>estors, funds, national </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs554\">enti<span class=\"_ _0\"></span>ties<span class=\"_ _0\"></span>, retai<span class=\"_ _0\"></span>l investor<span class=\"_ _0\"></span>s or by us<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e of its own c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs555\">Ju<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt is req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red to deter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>e wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r the<span class=\"_ _0\"></span>se </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs556\">loans should be r<span class=\"_ _1\"></span>ecognised on the Group\u2019s<span class=\"_ _1\"></span> balance </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs557\">she<span class=\"_ _0\"></span>et. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up, its su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s or S<span class=\"_ _0\"></span>PVs whic<span class=\"_ _0\"></span>h </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs558\">it co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dates have le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l and b<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l own<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs559\">the t<span class=\"_ _0\"></span>itl<span class=\"_ _0\"></span>e of tho<span class=\"_ _0\"></span>se SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oans<span class=\"_ _0\"></span>, they a<span class=\"_ _0\"></span>re reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d on t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs55a\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce sh<span class=\"_ _0\"></span>eet<span class=\"_ _0\"></span>. Wh<span class=\"_ _0\"></span>ere th<span class=\"_ _0\"></span>is is n<span class=\"_ _0\"></span>ot the c<span class=\"_ _0\"></span>ase, t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs55b\">lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>re not rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed at th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>int of o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls2 ws2 gs55c\">Rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of defe<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ed ta<span class=\"_ _0\"></span>x<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs55d\">Un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>AS 12, a deferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>set sh<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ld b<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d for<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs55e\">al<span class=\"_ _0\"></span>l ded<span class=\"_ _0\"></span>ucti<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e temp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>feren<span class=\"_ _0\"></span>ces a<span class=\"_ _0\"></span>nd tax l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses to th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs55f\">extent th<span class=\"_ _0\"></span>at it is p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e that t<span class=\"_ _0\"></span>axabl<span class=\"_ _0\"></span>e prof<span class=\"_ _0\"></span>it w<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l be avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs560\">aga<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>t whi<span class=\"_ _0\"></span>ch t<span class=\"_ _0\"></span>he de<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tib<span class=\"_ _0\"></span>le tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e or t<span class=\"_ _0\"></span>ax<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls82 ws9 gs561\">losses<span class=\"_ _1\"></span> can be ut<span class=\"_ _1\"></span>ilised. While<span class=\"_ _1\"></span> the Board<span class=\"_ _1\"></span>-approv<span class=\"_ _1\"></span>ed f<span class=\"_ _1\"></span>orecast<span class=\"_ _1\"></span>s<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs562\">pro<span class=\"_ _0\"></span>jec<span class=\"_ _0\"></span>t the U<span class=\"_ _0\"></span>K to be in a t<span class=\"_ _0\"></span>axabl<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>ofit p<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n for th<span class=\"_ _0\"></span>e year<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs563\">end<span class=\"_ _0\"></span>ed 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2025 an<span class=\"_ _0\"></span>d beyon<span class=\"_ _0\"></span>d, the<span class=\"_ _0\"></span>re are r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>s to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs564\">ac<span class=\"_ _0\"></span>hievi<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>his fore<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>st an<span class=\"_ _0\"></span>d as a resu<span class=\"_ _0\"></span>lt i<span class=\"_ _0\"></span>t is not c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs565\">hig<span class=\"_ _0\"></span>hl<span class=\"_ _0\"></span>y prob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le. M<span class=\"_ _0\"></span>ana<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt has us<span class=\"_ _0\"></span>ed it<span class=\"_ _0\"></span>s ju<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls74 ws3f gs566\">det<span class=\"_ _1\"></span>ermining whether ther<span class=\"_ _1\"></span>e is sufficient certainty t<span class=\"_ _1\"></span>o recognise </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs567\">a deferr<span class=\"_ _0\"></span>ed tax a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>. The Eu<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ean S<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>uri<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d Mar<span class=\"_ _0\"></span>kets<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs568\">Auth<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y (\u201c<span class=\"_ _0\"></span>ES<span class=\"_ _0\"></span>MA\u201d) ha<span class=\"_ _0\"></span>s previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed gu<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs569\">to the rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of deferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>sets i<span class=\"_ _0\"></span>n res<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>nse to<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs56a\">com<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>nie<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng as<span class=\"_ _0\"></span>sets to<span class=\"_ _0\"></span>o ear<span class=\"_ _0\"></span>ly o<span class=\"_ _0\"></span>nly to su<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>ntly<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs56b\">wri<span class=\"_ _0\"></span>te the<span class=\"_ _0\"></span>m off. On<span class=\"_ _0\"></span>e of the key in<span class=\"_ _0\"></span>dic<span class=\"_ _0\"></span>ators s<span class=\"_ _0\"></span>ugg<span class=\"_ _0\"></span>este<span class=\"_ _0\"></span>d by ESMA<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs56c\">for the re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on of defer<span class=\"_ _0\"></span>red t<span class=\"_ _0\"></span>ax is wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs56d\">is be<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d fro<span class=\"_ _0\"></span>m whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>n enti<span class=\"_ _0\"></span>ty h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>gu<span class=\"_ _0\"></span>n to offset<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs56e\">los<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>. Thi<span class=\"_ _0\"></span>s is not yet th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>se for th<span class=\"_ _0\"></span>e UK b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s for a<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs56f\">sus<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>ned p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d man<span class=\"_ _0\"></span>age<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt has dete<span class=\"_ _0\"></span>rmi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d not to<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs570\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise a d<span class=\"_ _0\"></span>eferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>set as a re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>t. H<span class=\"_ _0\"></span>ad ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs571\">determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed a di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferent l<span class=\"_ _0\"></span>evel of cer<span class=\"_ _2\"></span>taint<span class=\"_ _0\"></span>y reg<span class=\"_ _0\"></span>ardi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs572\">taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>ts of the U<span class=\"_ _0\"></span>K for th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nd an<span class=\"_ _0\"></span>d beyo<span class=\"_ _0\"></span>nd,<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls5d ws2 gs573\">the<span class=\"_ _0\"></span>n a defer<span class=\"_ _0\"></span>red tax a<span class=\"_ _0\"></span>sset m<span class=\"_ _0\"></span>ay have bee<span class=\"_ _0\"></span>n rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs574\">K<span class=\"_ _1\"></span>ey sourc<span class=\"_ _1\"></span>es of e<span class=\"_ _1\"></span>stimation<span class=\"_ _1\"></span> uncer<span class=\"_ _0\"></span>tainty<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs575\">The fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>re th<span class=\"_ _0\"></span>e key sourc<span class=\"_ _0\"></span>es of est<span class=\"_ _0\"></span>imat<span class=\"_ _0\"></span>ion </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs576\">unc<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>aint<span class=\"_ _0\"></span>y th<span class=\"_ _0\"></span>at the D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctors h<span class=\"_ _0\"></span>ave ide<span class=\"_ _0\"></span>ntif<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs577\">pro<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>s of ap<span class=\"_ _0\"></span>ply<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>es </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs578\">and h<span class=\"_ _0\"></span>ave the mo<span class=\"_ _0\"></span>st si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt effe<span class=\"_ _0\"></span>ct on t<span class=\"_ _0\"></span>he am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs579\">rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts. </div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls2 ws2 gs57a\">Exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ted c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>nt of Fl<span class=\"_ _0\"></span>exiP<span class=\"_ _0\"></span>ay li<span class=\"_ _0\"></span>nes of </div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls8d wsaa gs57b\">cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>t (note<span class=\"_ _0\"></span> 16)<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs57c\">At 31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p he<span class=\"_ _0\"></span>ld \u00a3110.0 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs57d\">of drawn F<span class=\"_ _0\"></span>lexiP<span class=\"_ _0\"></span>ay lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>nd \u00a3278.7 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs57e\">un<span class=\"_ _0\"></span>drawn l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>, gros<span class=\"_ _0\"></span>s of expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs57f\">impairment<span class=\"_ _1\"></span> allowances.<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs580\">Wh<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>e othe<span class=\"_ _0\"></span>r fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets of th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld at </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs581\">amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cost, t<span class=\"_ _0\"></span>he Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>re the m<span class=\"_ _0\"></span>ost </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs582\">sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ive to esti<span class=\"_ _0\"></span>matio<span class=\"_ _0\"></span>n un<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>nty d<span class=\"_ _0\"></span>ue to the h<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>her </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs583\">bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>nd m<span class=\"_ _0\"></span>ore l<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>ted hi<span class=\"_ _0\"></span>stori<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l data<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls113 ws2 gs584\">An exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it lo<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt all<span class=\"_ _0\"></span>owan<span class=\"_ _0\"></span>ce is h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d aga<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls113 ws2 gs585\">the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit of \u00a3<span class=\"_ _0\"></span>15.6 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (\u00a312.9 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on re<span class=\"_ _0\"></span>lated to<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls113 ws2 gs586\">draw<span class=\"_ _0\"></span>n lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t and \u00a32.7 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on rel<span class=\"_ _0\"></span>ated to und<span class=\"_ _0\"></span>rawn).<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs588\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p est<span class=\"_ _0\"></span>imates th<span class=\"_ _0\"></span>e expe<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>s al<span class=\"_ _0\"></span>lowa<span class=\"_ _0\"></span>nce </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs589\">foll<span class=\"_ _0\"></span>owin<span class=\"_ _0\"></span>g IFR<span class=\"_ _0\"></span>S 9 thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h mo<span class=\"_ _0\"></span>del<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e expos<span class=\"_ _0\"></span>ure at </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs58a\">defau<span class=\"_ _0\"></span>lt ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span>d tren<span class=\"_ _0\"></span>ds rel<span class=\"_ _0\"></span>ated to the over<span class=\"_ _0\"></span>all </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs58b\">li<span class=\"_ _0\"></span>ne of cre<span class=\"_ _0\"></span>dit fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n dr<span class=\"_ _0\"></span>awn at the t<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs58c\">of defau<span class=\"_ _0\"></span>lt. T<span class=\"_ _0\"></span>he pr<span class=\"_ _0\"></span>obab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt is e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated ut<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs58d\">obse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ved t<span class=\"_ _0\"></span>rend<span class=\"_ _0\"></span>s and c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>bin<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the<span class=\"_ _0\"></span>se wi<span class=\"_ _0\"></span>th for<span class=\"_ _0\"></span>wa<span class=\"_ _0\"></span>rd-<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs58e\">looking in<span class=\"_ _1\"></span>forma<span class=\"_ _1\"></span>tion includin<span class=\"_ _1\"></span>g differ<span class=\"_ _1\"></span>ent m<span class=\"_ _1\"></span>acroeconomic </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs58f\">sce<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>s whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>re prob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty we<span class=\"_ _0\"></span>ighted<span class=\"_ _0\"></span>. The l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s given </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs590\">defau<span class=\"_ _0\"></span>lt is d<span class=\"_ _0\"></span>rive<span class=\"_ _0\"></span>n by assu<span class=\"_ _0\"></span>mpt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s rega<span class=\"_ _0\"></span>rdi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e level of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs591\">reco<span class=\"_ _1\"></span>veries<span class=\"_ _1\"></span> collect<span class=\"_ _1\"></span>ed afte<span class=\"_ _1\"></span>r def<span class=\"_ _1\"></span>aults occu<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls11f wsa gs592\">The area most sensitive<span class=\"_ _1\"></span> to estimation uncer<span class=\"_ _0\"></span>tainty is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs593\">the p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of defa<span class=\"_ _0\"></span>ult (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>PD<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) relate<span class=\"_ _0\"></span>d to stag<span class=\"_ _0\"></span>e 1 lin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs594\">of cre<span class=\"_ _0\"></span>dit wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h is ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n actu<span class=\"_ _0\"></span>al exp<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ien<span class=\"_ _0\"></span>ce a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls73 ws3f gs595\">probability w<span class=\"_ _1\"></span>eighting of<span class=\"_ _1\"></span> the forward-looking scenarios </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls73 ws3f gs596\">utilised. Curren<span class=\"_ _1\"></span>tly a baseline scenario<span class=\"_ _1\"></span>, upside scenario </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs597\">and d<span class=\"_ _0\"></span>owns<span class=\"_ _0\"></span>ide s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>io a<span class=\"_ _0\"></span>re uti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h are p<span class=\"_ _0\"></span>roba<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs598\">weig<span class=\"_ _0\"></span>hted 60% b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ne, 10% up<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d 30% dow<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs599\">whi<span class=\"_ _0\"></span>ch p<span class=\"_ _0\"></span>rovide a b<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>ed st<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 prob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs59a\">of 3.6%. I<span class=\"_ _0\"></span>t is al<span class=\"_ _0\"></span>so noted t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e downs<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>e sce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>io h<span class=\"_ _0\"></span>as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls45 wsc gs59b\">peak unemplo<span class=\"_ _1\"></span>yment o<span class=\"_ _1\"></span>f 6.9%<span class=\"_ _1\"></span> in December 2<span class=\"_ _1\"></span>027 and </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls45 wsc gs59c\">upside<span class=\"_ _1\"></span> scenario has a<span class=\"_ _1\"></span> trough unemplo<span class=\"_ _1\"></span>yment o<span class=\"_ _1\"></span>f 3.6<span class=\"_ _1\"></span>% from </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs59d\">Se<span class=\"_ _0\"></span>ptembe<span class=\"_ _0\"></span>r 2026 relati<span class=\"_ _0\"></span>ve to 4.4<span class=\"_ _1\"></span>% i<span class=\"_ _0\"></span>n De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024. Given<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs59e\">the s<span class=\"_ _0\"></span>tag<span class=\"_ _0\"></span>e 1 PD is ba<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d on 12 month exp<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es,<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs59f\">the re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ecti<span class=\"_ _0\"></span>ve pea<span class=\"_ _0\"></span>k an<span class=\"_ _0\"></span>d trou<span class=\"_ _0\"></span>gh of th<span class=\"_ _0\"></span>ese s<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>ios h<span class=\"_ _0\"></span>as a low<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs5a0\">im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t on th<span class=\"_ _0\"></span>e sta<span class=\"_ _0\"></span>ge 1 EC<span class=\"_ _0\"></span>L as at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024 given </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws88 gs5a1\">the t<span class=\"_ _0\"></span>ime h<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>izon to reac<span class=\"_ _0\"></span>hin<span class=\"_ _0\"></span>g th<span class=\"_ _0\"></span>e resp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ive pe<span class=\"_ _0\"></span>ak an<span class=\"_ _0\"></span>d trou<span class=\"_ _0\"></span>gh<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5a2\">If 10<span class=\"_ _0\"></span>0% pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y weig<span class=\"_ _0\"></span>htin<span class=\"_ _0\"></span>g was to be a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>lie<span class=\"_ _0\"></span>d to the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5a3\">ups<span class=\"_ _0\"></span>ide s<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>io a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e lowes<span class=\"_ _0\"></span>t poi<span class=\"_ _0\"></span>nt of the u<span class=\"_ _0\"></span>psi<span class=\"_ _0\"></span>de </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs5a4\">scenario<span class=\"_ _1\"></span> unemployme<span class=\"_ _1\"></span>nt f<span class=\"_ _1\"></span>orecast<span class=\"_ _1\"></span> was solel<span class=\"_ _1\"></span>y applied f<span class=\"_ _1\"></span>or </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5a5\">ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he PD, the wei<span class=\"_ _0\"></span>ghted PD r<span class=\"_ _0\"></span>elated to st<span class=\"_ _0\"></span>age 1 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5a6\">li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t woul<span class=\"_ _0\"></span>d de<span class=\"_ _0\"></span>cre<span class=\"_ _0\"></span>ase by 60 b<span class=\"_ _0\"></span>ps to 3.0% an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs5a7\">the e<span class=\"_ _1\"></span>xpect<span class=\"_ _1\"></span>ed cred<span class=\"_ _1\"></span>it loss<span class=\"_ _1\"></span> impairment p<span class=\"_ _1\"></span>rovis<span class=\"_ _1\"></span>ion would<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5a8\">dec<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e by \u00a30.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (\u00a30.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n on d<span class=\"_ _0\"></span>rawn l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5a9\">cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>nd \u00a30.4 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n on u<span class=\"_ _0\"></span>ndr<span class=\"_ _0\"></span>awn li<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>s of cred<span class=\"_ _0\"></span>it).<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5aa\">If a 10<span class=\"_ _0\"></span>0% pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y weig<span class=\"_ _0\"></span>htin<span class=\"_ _0\"></span>g was to be a<span class=\"_ _0\"></span>ppl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d to the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5ab\">downs<span class=\"_ _0\"></span>ide s<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>io a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e hi<span class=\"_ _0\"></span>ghe<span class=\"_ _0\"></span>st po<span class=\"_ _0\"></span>int of th<span class=\"_ _0\"></span>e downs<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa9 ws9 gs5ac\">scenario<span class=\"_ _1\"></span> unemployme<span class=\"_ _1\"></span>nt f<span class=\"_ _1\"></span>orecast<span class=\"_ _1\"></span> was solel<span class=\"_ _1\"></span>y applied f<span class=\"_ _1\"></span>or </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5ad\">ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he PD, the wei<span class=\"_ _0\"></span>ghted PD re<span class=\"_ _0\"></span>lated to st<span class=\"_ _0\"></span>age 1<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5ae\">li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t woul<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span>cre<span class=\"_ _0\"></span>ase by 120 bps to 4.8% an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5af\">expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent wou<span class=\"_ _0\"></span>ld i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase by \u00a31.<span class=\"_ _0\"></span>8 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5b0\">mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (\u00a30.9 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n on dr<span class=\"_ _0\"></span>awn li<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>s of cred<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d \u00a30.9 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5b1\">mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>n un<span class=\"_ _0\"></span>drawn l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit). It is c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red t<span class=\"_ _0\"></span>hat </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5b2\">the a<span class=\"_ _0\"></span>bove sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sent t<span class=\"_ _0\"></span>he ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e of reaso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5b3\">pos<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le o<span class=\"_ _0\"></span>utco<span class=\"_ _0\"></span>mes i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the p<span class=\"_ _0\"></span>robab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5b4\">on st<span class=\"_ _0\"></span>age 1 F<span class=\"_ _0\"></span>lexiP<span class=\"_ _0\"></span>ay lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5b5\">The l<span class=\"_ _0\"></span>oss g<span class=\"_ _0\"></span>iven d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t (\u201c<span class=\"_ _0\"></span>LGD<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) of the exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it lo<span class=\"_ _0\"></span>ss </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5b6\">im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent al<span class=\"_ _0\"></span>lowa<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e is est<span class=\"_ _0\"></span>imated b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vatio<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5b7\">of the b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>foli<span class=\"_ _0\"></span>o rec<span class=\"_ _0\"></span>overie<span class=\"_ _0\"></span>s to date on defau<span class=\"_ _0\"></span>lted </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5b8\">li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t pro<span class=\"_ _0\"></span>jec<span class=\"_ _0\"></span>ted ou<span class=\"_ _0\"></span>t into the fu<span class=\"_ _0\"></span>ture u<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g a 84<span class=\"_ _0\"></span>.4% </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5b9\">LGD. Whil<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>e LGD expect<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n is ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>je<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5ba\">of recover<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>s to date, the lifeti<span class=\"_ _0\"></span>me LGD may dif<span class=\"_ _0\"></span>fer f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5bb\">esti<span class=\"_ _0\"></span>mated a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt. A +/- 500 b<span class=\"_ _0\"></span>ps i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase/de<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5bc\">the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated li<span class=\"_ _0\"></span>fetime LGD wo<span class=\"_ _0\"></span>uld i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e/decre<span class=\"_ _0\"></span>ase t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5bd\">expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent al<span class=\"_ _0\"></span>lowa<span class=\"_ _0\"></span>nce by \u00a30.9 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on/<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5be\">(\u00a30.9 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on). It is con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d that th<span class=\"_ _0\"></span>e ab<span class=\"_ _0\"></span>ove sensi<span class=\"_ _0\"></span>tiv<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5bf\">rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt the r<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e of reas<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>y pos<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le o<span class=\"_ _0\"></span>utco<span class=\"_ _0\"></span>mes i<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs5c0\">rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the LGD on Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-416": {
   "value": "Key sources of estimation uncertainty The following are the key sources of estimation uncertainty that the Directors have identified in the process of applying the Group\u2019s accounting policies and have the most significant effect on the amounts recognised in the financial statements. Expected credit loss impairment of FlexiPay lines of credit (note 16) At 31 December 2024, the Group held \u00a3110.0 million of drawn FlexiPay lines of credit and \u00a3278.7 million of undrawn lines of credit, gross of expected credit loss impairment allowances. While other financial assets of the Group are held at amortised cost, the FlexiPay lines of credit are the most sensitive to estimation uncertainty due to the higher balance outstanding and more limited historical data. An expected credit loss impairment allowance is held against the lines of credit of \u00a315.6 million (\u00a312.9 million related to drawn lines of credit and \u00a32.7 million related to undrawn). The Group estimates the expected credit loss allowance following IFRS 9 through modelling the exposure at default based on observed trends related to the overall line of credit facility and the proportion drawn at the time of default. The probability of default is estimated utilising observed trends and combining these with forward- looking information including different macroeconomic scenarios which are probability weighted. The loss given default is driven by assumptions regarding the level of recoveries collected after defaults occur. The area most sensitive to estimation uncertainty is the probability of default (\u201cPD\u201d) related to stage 1 lines of credit which is based on actual experience and the probability weighting of the forward-looking scenarios utilised. Currently a baseline scenario, upside scenario and downside scenario are utilised which are probability weighted 60% baseline, 10% upside and 30% downside, which provide a blended stage 1 probability of default of 3.6%. It is also noted that the downside scenario has peak unemployment of 6.9% in December 2027 and upside scenario has a trough unemployment of 3.6% from September 2026 relative to 4.4% in December 2024. Given the stage 1 PD is based on 12 month expected credit losses, the respective peak and trough of these scenarios has a low impact on the stage 1 ECL as at 31 December 2024 given the time horizon to reaching the respective peak and trough. If 100% probability weighting was to be applied to the upside scenario and the lowest point of the upside scenario unemployment forecast was solely applied for calculating the PD, the weighted PD related to stage 1 lines of credit would decrease by 60 bps to 3.0% and the expected credit loss impairment provision would decrease by \u00a30.8 million (\u00a30.4 million on drawn lines of credit and \u00a30.4 million on undrawn lines of credit). If a 100% probability weighting was to be applied to the downside scenario and the highest point of the downside scenario unemployment forecast was solely applied for calculating the PD, the weighted PD related to stage 1 lines of credit would increase by 120 bps to 4.8% and the expected credit loss impairment would increase by \u00a31.8 million (\u00a30.9 million on drawn lines of credit and \u00a30.9 million on undrawn lines of credit). It is considered that the above sensitivities represent the range of reasonably possible outcomes in relation to the probability of default on stage 1 FlexiPay lines of credit. The loss given default (\u201cLGD\u201d) of the expected credit loss impairment allowance is estimated based on observation of the blended portfolio recoveries to date on defaulted lines of credit projected out into the future using a 84.4% LGD. While the LGD expectation is based on the trajectory of recoveries to date, the lifetime LGD may differ from the estimated amount. A +/- 500 bps increase/decrease in the estimated lifetime LGD would increase/decrease the expected credit loss impairment allowance by \u00a30.9 million/ (\u00a30.9 million). It is considered that the above sensitivities represent the range of reasonably possible outcomes in relation to the LGD on FlexiPay lines of credit.",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-382": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 lsa ws9 gs5c2\">3. Discon<span class=\"_ _1\"></span>tinued operations<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5c3\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p an<span class=\"_ _0\"></span>nou<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n 7 Marc<span class=\"_ _0\"></span>h 2024 its intenti<span class=\"_ _0\"></span>on to dives<span class=\"_ _0\"></span>t of the US b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss. A<span class=\"_ _0\"></span>s of th<span class=\"_ _0\"></span>is date, the US b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5c4\">was co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d to form a d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>osa<span class=\"_ _0\"></span>l gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd was re<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied a<span class=\"_ _0\"></span>s a dis<span class=\"_ _0\"></span>cont<span class=\"_ _0\"></span>inu<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. An a<span class=\"_ _0\"></span>gre<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt was si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5c5\">on 24 Jun<span class=\"_ _0\"></span>e 202<span class=\"_ _1\"></span>4 to se<span class=\"_ _0\"></span>ll t<span class=\"_ _0\"></span>he bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s to iBu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess Fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng, LLC and t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>mpl<span class=\"_ _0\"></span>eted as of 1 J<span class=\"_ _0\"></span>uly 2024. As a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5c6\">resu<span class=\"_ _0\"></span>lt, G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p retai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d cont<span class=\"_ _0\"></span>rol of th<span class=\"_ _0\"></span>e US bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s unti<span class=\"_ _0\"></span>l 1 Ju<span class=\"_ _0\"></span>ly 2024, at whic<span class=\"_ _0\"></span>h poi<span class=\"_ _0\"></span>nt it was d<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5c7\">The c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>ive los<span class=\"_ _0\"></span>s for th<span class=\"_ _0\"></span>e year fro<span class=\"_ _0\"></span>m dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ued o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>, se<span class=\"_ _0\"></span>gme<span class=\"_ _0\"></span>ntal re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>ts, c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows f<span class=\"_ _0\"></span>rom </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs5c8\">discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> and componen<span class=\"_ _1\"></span>t elements<span class=\"_ _1\"></span> of t<span class=\"_ _1\"></span>he gain on<span class=\"_ _1\"></span> disposal<span class=\"_ _1\"></span> are de<span class=\"_ _1\"></span>tailed belo<span class=\"_ _1\"></span>w.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs5c9\">Discont<span class=\"_ _1\"></span>inued operations<span class=\"_ _2d6\"> </span></div><div class=\"gs5ca\"><table class=\"s w183 h9e\" id=\"_cfe4eb61-8cf8-4573-b1c5-74872461fb83\"><tr><td></td><td></td><td class=\"t m0 x37c h35 y28bf ff4 fs19 fc5 sc0 lscf wsc6\">Bef<span class=\"_ _1\"></span>ore<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x37d h38 y28bf ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37e h35 y28bf ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x37f h35 y28c0 ff4 fs19 fc5 sc0 ls14e ws14b\">exce<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x380 h35 y28c0 ff4 fs19 fc5 sc0 lse4 wsdd\">Exceptional<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h38 y28c0 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x382 h35 y28c0 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x2b4 h35 y28c1 ff4 fs19 fc5 sc0 ls108 ws101\">No<span class=\"_ _0\"></span>te<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x383 h35 y28c1 ff4 fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x384 h35 y28c1 ff4 fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c3 h38 y28c1 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x385 h35 y28c1 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y28c2 w1a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>ransaction<span class=\"_ _1\"></span> fees<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x386 y28c2 w184 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">10.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x387 y28c2 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x388 y28c3 w185 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x389 y28c2 w186 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls80 ws7c\">23<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28c4 w187 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>cin<span class=\"_ _0\"></span>g fees<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x38a y28c4 w188 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x38b y28c4 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x38c y28c5 w189 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x38d y28c4 w18a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">3.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28c6 w18b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Intere<span class=\"_ _0\"></span>st i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x38e y28c6 w18c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x38f y28c6 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x390 y28c7 wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x391 y28c6 w18d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28c8 w26 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other fees<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x392 y28c8 w18e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x393 y28c8 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x394 y28c9 w18f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x395 y28c8 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28ca w191 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">Operating income<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x396 y28cb w192 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">1<span class=\"_ _1\"></span>3.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x397 y28cb w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x398 y28ca w193 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x399 y28cb w194 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls53 ws6d\">28<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28cc w195 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x39a y28cc w196 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x39b y28cc w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x39c y28cd wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x39d y28cc w197 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">4.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28ce w198 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls53 ws6d\">Inve<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span> exp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>se<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x39e y28ce w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x39f y28ce w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a0 y28cf w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a1 y28ce w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28d0 w19a h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">Net in<span class=\"_ _1\"></span>vestment income<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3a2 y28d1 w19b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x393 y28d1 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a3 y28d0 wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a4 y28d1 w10c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28d2 w33 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">T<span class=\"_ _5\"></span>otal income<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3a5 y28d3 w19c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">14<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a6 y28d3 w28 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a7 y28d2 w19d h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8a ws86\">14<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x302 y28d3 w19e h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28d4 w37 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3a8 y28d4 w19f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a9 y28d4 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3aa y28d5 w1a0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls121 ws11a\">2.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ab y28d4 wb1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28d6 w1a1 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">Net income<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3ac y28d7 wff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls87 ws83\">16.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ad y28d7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ae y28d6 w1a2 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls9 ws8\">16.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3af y28d7 w1a3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">3<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28d8 w43 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">People c<span class=\"_ _1\"></span>osts<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3b0 y28d8 w1a4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(16.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b1 y28d8 w69 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b2 y28d9 w6f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8a ws86\">(14<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b3 y28d8 w1a5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(28<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28da w49 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Marke<span class=\"_ _1\"></span>ting costs<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3b4 y28da w1a6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b5 y28da w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b6 y28db w1a7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b7 y28da w1a8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(11<span class=\"_ _0\"></span>.3<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y28dc ff4 fs6 fc5 sc0 ls2 ws2\">De<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n, a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on, i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y28dd w1a9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ns/(los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b8 y28dd w1aa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">1<span class=\"_ _0\"></span>0, 11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b9 y28dd w199 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ba y28dd w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3bb y28de w1ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3bc y28dd w1ac h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(10<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28df w1ad h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">(Ch<span class=\"_ _1\"></span>arge)<span class=\"_ _1\"></span>/<span class=\"_ _1\"></span>credit f<span class=\"_ _1\"></span>or e<span class=\"_ _1\"></span>xpected<span class=\"_ _1\"></span> credit lo<span class=\"_ _1\"></span>sses<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3bd y28df w1ae h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls87 ws83\">15, 16<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3be y28df w1af h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _2\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x393 y28df w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3bf y28e0 w1b0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c0 y28df w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28e1 w58 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>her c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3c1 y28e1 w1b2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(6<span class=\"_ _0\"></span>.2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c2 y28e1 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c3 y28e2 w1b3 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c4 y28e1 w1b4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(<span class=\"_ _0\"></span>11.<span class=\"_ _0\"></span>0)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28e3 w5c h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">Operating<span class=\"_ _1\"></span> expenses<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3c5 y28e4 w1b5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c6 y28e4 w69 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c7 y28e3 w1b6 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(24.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c8 y28e4 w1b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>61<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y28e5 ff6 fs6 fc5 sc0 ls2 ws2\">Rea<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d F<span class=\"_ _0\"></span>X re<span class=\"_ _0\"></span>cycl<span class=\"_ _0\"></span>ed fr<span class=\"_ _0\"></span>om fo<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>y </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y28e6 w1b8 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">translat<span class=\"_ _1\"></span>ion<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3c9 y28e7 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ca y28e7 w1b9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">8.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3cb y28e6 w1ba h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3cc y28e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28e8 w1bb h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">Gain on<span class=\"_ _1\"></span> disposal of US<span class=\"_ _1\"></span> business<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x39e y28e9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3cd y28e9 w1bc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ce y28e8 w1bd h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">8<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3cf y28e9 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28ea w1be h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lse3 wsdc\">(Los<span class=\"_ _0\"></span>s)/prof<span class=\"_ _0\"></span>it b<span class=\"_ _0\"></span>efo<span class=\"_ _0\"></span>re t<span class=\"_ _0\"></span>axati<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3d0 y28eb w1bf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d1 y28eb w1c0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d2 y28ea w1c1 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">8.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d3 y28eb w1c2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">(2<span class=\"_ _1\"></span>3.3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28ec w1c3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Income t<span class=\"_ _1\"></span>ax<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d4 y28ec w1c4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d5 y28ec w1c5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d6 y28ec w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d7 y28ed w1c6 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d8 y28ec w118 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(6<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y28ee w1c7 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">(Loss)/prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r fro<span class=\"_ _0\"></span>m<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3d9 y28ee w1c8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>10.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3da y28ee w1c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3db y28ef w71 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">8.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3dc y28ee w72 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>0.1)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y28f0 ff6 fs6 fc5 sc0 ls13 ws12\">Other compr<span class=\"_ _1\"></span>ehensive inc<span class=\"_ _1\"></span>ome/<span class=\"_ _1\"></span>(e<span class=\"_ _1\"></span>xpense)<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28f1 ff4 fs6 fc5 sc0 ls2 ws2\">Exc<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s on t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sl<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n </td><td class=\"c n x3dd y28f2 wed h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">19<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3de y28f2 w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3df y28f2 w1ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(8.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e0 y28f3 w7b h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e1 y28f2 w1cb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y28f4 ff4 fs6 fc5 sc0 ls13 ws12\">operati<span class=\"_ _1\"></span>ons \u2013 di<span class=\"_ _1\"></span>scontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y28f5 w1cc h95\"><div class=\"t m0 x1ba ha y27e0 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal compreh<span class=\"_ _1\"></span>ensive (<span class=\"_ _1\"></span>ex<span class=\"_ _1\"></span>pense)<span class=\"_ _1\"></span>/income f<span class=\"_ _1\"></span>or the<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">year a<span class=\"_ _0\"></span>tt<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>bu<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le to ow<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rs of t<span class=\"_ _0\"></span>he Pa<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3e2 y28f6 w1cd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(1<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e3 y28f6 w1ce h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">9.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e4 y28f7 w1cf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e5 y28f6 w8a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(32<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y28f8 ff6 fs6 fc5 sc0 lsd5 wscc\">Earnings<span class=\"_ _1\"></span> per share<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28f9 ff4 fs6 fc5 sc0 ls2 ws2\">Bas<span class=\"_ _0\"></span>ic a<span class=\"_ _0\"></span>nd d<span class=\"_ _0\"></span>ilu<span class=\"_ _0\"></span>ted (l<span class=\"_ _0\"></span>oss)/ear<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>gs p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y28fa w1d0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">from<span class=\"_ _1\"></span> disconti<span class=\"_ _1\"></span>nued operation<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e6 y28fa w4a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e7 y28fa w1d1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3.<span class=\"_ _0\"></span>0)<span class=\"_ _0\"></span>p<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3e8 y28fb w1d2 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">2.4p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e9 y28fa w1d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(8.7<span class=\"_ _0\"></span>)p<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y28fc ff4 fs6 fc5 sc0 ls2 ws2\">Bas<span class=\"_ _0\"></span>ic a<span class=\"_ _0\"></span>nd d<span class=\"_ _0\"></span>ilu<span class=\"_ _0\"></span>ted (l<span class=\"_ _0\"></span>oss)/ear<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>gs p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re </td><td class=\"c n x3ea y28fd w4a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3eb y28fd w1d4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0)<span class=\"_ _0\"></span>p<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3ec y28fe w1d5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsca wsc2\">2.<span class=\"_ _0\"></span>2p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ed y28fd w1d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(8.7<span class=\"_ _0\"></span>)p<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y28ff ff4 fs6 fc5 sc0 ls13 ws12\">from<span class=\"_ _1\"></span> disconti<span class=\"_ _1\"></span>nued operation<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs5cc\">Segmental<span class=\"_ _1\"></span> Adjust<span class=\"_ _1\"></span>ed EBITDA<span class=\"_ _1\"></span> from di<span class=\"_ _1\"></span>scontinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div><div class=\"gs5cd\"><table class=\"s w1d6 h9f\" id=\"_0a587f68-9bf3-417a-996c-a43b7eab9e0f\"><tr><td></td><td class=\"t m0 x24e h38 y2900 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2900 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2901 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2901 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2902 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2902 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2826 w1d7 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsfe wsf7\">Adjusted EBITD<span class=\"_ _1\"></span>A<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ee y2826 w7a h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ef y2825 w1d8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(10.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2903 w1d9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Discount<span class=\"_ _1\"></span> unwind on<span class=\"_ _1\"></span> lease lia<span class=\"_ _1\"></span>bilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f0 y2904 w139 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f1 y2903 w1da h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2905 w1db h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">De<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n, a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on, i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>nd m<span class=\"_ _0\"></span>odi<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n ga<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>/(loss<span class=\"_ _0\"></span>es)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f2 y2906 w51 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f3 y2905 w1dc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(10.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w1dd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Exceptional it<span class=\"_ _1\"></span>ems<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x27e y27e6 w1de h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls87 ws83\">18.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f4 y27e5 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w1df h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Share-based pa<span class=\"_ _1\"></span>yments and social security cos<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f5 y27e8 w1e0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f6 y27e7 w10f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2907 w1e1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Foreign<span class=\"_ _1\"></span> exchange gain<span class=\"_ _1\"></span>s/(losses<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f7 y2908 wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f8 y2907 w1e2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w1e3 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>t/(lo<span class=\"_ _0\"></span>ss) befo<span class=\"_ _0\"></span>re t<span class=\"_ _0\"></span>ax<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f9 y27ec w1c1 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">8.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3fa y27eb w1c2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">(23.3<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsc wsb gs5ce\">Cash flo<span class=\"_ _1\"></span>w<span class=\"_ _2d6\"> </span></div><div class=\"gs5cf\"><table class=\"s w1e4 ha0\" id=\"_f170e29e-00ce-49cd-a91d-c5adeca85ab1\"><tr><td></td><td class=\"t m0 x24e h38 y2909 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2909 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y290a ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y290a ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y290b ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y290b ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2825 w173 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s at th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nni<span class=\"_ _0\"></span>ng of t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3fb y2826 wc1 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd2 wsc9\">22.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x29a y2825 w1e5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290c w1e6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Net c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h out<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>low fr<span class=\"_ _0\"></span>om o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3fc y290d w1e7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">(8.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3fd y290c w1e8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls88 ws84\">(12<span class=\"_ _0\"></span>.3<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2829 w1e9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Net cash (<span class=\"_ _1\"></span>out<span class=\"_ _0\"></span>flow)<span class=\"_ _1\"></span>/i<span class=\"_ _0\"></span>nflow from<span class=\"_ _1\"></span> i<span class=\"_ _0\"></span>nv<span class=\"_ _1\"></span>esting activities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3fe y282a w1ea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ff y2829 w1eb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">64.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290e w1ec h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h out<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>low fr<span class=\"_ _0\"></span>om f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cin<span class=\"_ _0\"></span>g ac<span class=\"_ _0\"></span>tiv<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x400 y290f w89 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x401 y290e w1ed h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e8 w1ee h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls1e ws26\">Net (<span class=\"_ _1\"></span>decrease)<span class=\"_ _1\"></span>/in<span class=\"_ _0\"></span>crease in cash<span class=\"_ _1\"></span> ge<span class=\"_ _0\"></span>nerated<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x402 y27e8 w79 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x403 y27e7 w1ef h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">23<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w176 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Effec<span class=\"_ _0\"></span>t of forei<span class=\"_ _0\"></span>gn exch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge r<span class=\"_ _0\"></span>ate cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x404 y282f w1f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x405 y2830 w1f1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(0.8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w178 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>sh a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s at the e<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d of the ye<span class=\"_ _0\"></span>ar<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x406 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x407 y27eb w21 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">22.3<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls2 ws2 gs5d0\">Det<span class=\"_ _0\"></span>ail<span class=\"_ _0\"></span>s of th<span class=\"_ _0\"></span>e sa<span class=\"_ _0\"></span>le of th<span class=\"_ _0\"></span>e US b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess (except<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>tems):<span class=\"_ _2d6\"> </span></div><div class=\"gs5d1\"><table class=\"s w1f2 ha1\" id=\"_a24af472-01c7-4f7f-9093-ee9a5980233d\"><tr><td></td><td class=\"t m0 x255 h35 y2910 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2911 ff4 fs6 fc5 sc0 ls1e ws26\">Consideration r<span class=\"_ _1\"></span>eceived:<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"c n x1c5 y2912 w1f3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>ion at p<span class=\"_ _0\"></span>revai<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng exch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge r<span class=\"_ _0\"></span>ate<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x408 y2912 w1f4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2913 w1f5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net as<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>s dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n (i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g ca<span class=\"_ _0\"></span>sh a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts of \u00a323.1 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x409 y2913 w1f6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(22<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2914 w1f7 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">Gross gain<span class=\"_ _1\"></span> on sale<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40a y2915 w16c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">10.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2916 w1f8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>t tra<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n cos<span class=\"_ _0\"></span>ts for l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>al, a<span class=\"_ _0\"></span>dvi<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d othe<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>sts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40b y2916 w1f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2917 w1fa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>act of (ea<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>y vesti<span class=\"_ _0\"></span>ng)/l<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g US s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>e opti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40c y2917 w69 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2918 w1fb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>her d<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>al re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40d y2918 w199 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282e w1fc h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Ga<span class=\"_ _0\"></span>in o<span class=\"_ _0\"></span>n sa<span class=\"_ _0\"></span>le<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40e y282d w1fd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">9.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w1fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Re<span class=\"_ _0\"></span>cla<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cur<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ncy t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sl<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40f y2830 w1b9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">8.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w1ff h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n as a r<span class=\"_ _0\"></span>esu<span class=\"_ _0\"></span>lt o<span class=\"_ _0\"></span>f dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>l af<span class=\"_ _0\"></span>ter r<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of fo<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>cy tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n re<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x410 y27eb w1c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.5</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-417": {
   "value": "3. Discon<span class=\"_ _1\"></span>tinued operations<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p an<span class=\"_ _0\"></span>nou<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n 7 Marc<span class=\"_ _0\"></span>h 2024 its intenti<span class=\"_ _0\"></span>on to dives<span class=\"_ _0\"></span>t of the US b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss. A<span class=\"_ _0\"></span>s of th<span class=\"_ _0\"></span>is date, the US b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss was co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d to form a d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>osa<span class=\"_ _0\"></span>l gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd was re<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ied a<span class=\"_ _0\"></span>s a dis<span class=\"_ _0\"></span>cont<span class=\"_ _0\"></span>inu<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. An a<span class=\"_ _0\"></span>gre<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt was si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ed on 24 Jun<span class=\"_ _0\"></span>e 202<span class=\"_ _1\"></span>4 to se<span class=\"_ _0\"></span>ll t<span class=\"_ _0\"></span>he bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s to iBu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess Fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng, LLC and t<span class=\"_ _0\"></span>he tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>mpl<span class=\"_ _0\"></span>eted as of 1 J<span class=\"_ _0\"></span>uly 2024. As a resu<span class=\"_ _0\"></span>lt, G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p retai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d cont<span class=\"_ _0\"></span>rol of th<span class=\"_ _0\"></span>e US bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s unti<span class=\"_ _0\"></span>l 1 Ju<span class=\"_ _0\"></span>ly 2024, at whic<span class=\"_ _0\"></span>h poi<span class=\"_ _0\"></span>nt it was d<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>ive los<span class=\"_ _0\"></span>s for th<span class=\"_ _0\"></span>e year fro<span class=\"_ _0\"></span>m dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ued o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>, se<span class=\"_ _0\"></span>gme<span class=\"_ _0\"></span>ntal re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>ts, c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows f<span class=\"_ _0\"></span>rom discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _1\"></span> and componen<span class=\"_ _1\"></span>t elements<span class=\"_ _1\"></span> of t<span class=\"_ _1\"></span>he gain on<span class=\"_ _1\"></span> disposal<span class=\"_ _1\"></span> are de<span class=\"_ _1\"></span>tailed belo<span class=\"_ _1\"></span>w.<span class=\"_ _2d6\"> </span>Discont<span class=\"_ _1\"></span>inued operations<span class=\"_ _2d6\"> </span><table class=\"s w183 h9e\" id=\"_cfe4eb61-8cf8-4573-b1c5-74872461fb83\"><tr><td></td><td></td><td class=\"t m0 x37c h35 y28bf ff4 fs19 fc5 sc0 lscf wsc6\">Bef<span class=\"_ _1\"></span>ore<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x37d h38 y28bf ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37e h35 y28bf ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x37f h35 y28c0 ff4 fs19 fc5 sc0 ls14e ws14b\">exce<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x380 h35 y28c0 ff4 fs19 fc5 sc0 lse4 wsdd\">Exceptional<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h38 y28c0 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x382 h35 y28c0 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x2b4 h35 y28c1 ff4 fs19 fc5 sc0 ls108 ws101\">No<span class=\"_ _0\"></span>te<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x383 h35 y28c1 ff4 fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x384 h35 y28c1 ff4 fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c3 h38 y28c1 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x385 h35 y28c1 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y28c2 w1a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>ransaction<span class=\"_ _1\"></span> fees<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x386 y28c2 w184 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">10.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x387 y28c2 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x388 y28c3 w185 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x389 y28c2 w186 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls80 ws7c\">23<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28c4 w187 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>cin<span class=\"_ _0\"></span>g fees<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x38a y28c4 w188 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x38b y28c4 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x38c y28c5 w189 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x38d y28c4 w18a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">3.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28c6 w18b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Intere<span class=\"_ _0\"></span>st i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x38e y28c6 w18c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x38f y28c6 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x390 y28c7 wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x391 y28c6 w18d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28c8 w26 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other fees<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x392 y28c8 w18e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x393 y28c8 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x394 y28c9 w18f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x395 y28c8 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28ca w191 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">Operating income<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x396 y28cb w192 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">1<span class=\"_ _1\"></span>3.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x397 y28cb w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x398 y28ca w193 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x399 y28cb w194 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls53 ws6d\">28<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28cc w195 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x39a y28cc w196 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x39b y28cc w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x39c y28cd wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x39d y28cc w197 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">4.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28ce w198 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls53 ws6d\">Inve<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span> exp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>se<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x39e y28ce w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x39f y28ce w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a0 y28cf w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a1 y28ce w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28d0 w19a h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">Net in<span class=\"_ _1\"></span>vestment income<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3a2 y28d1 w19b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x393 y28d1 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a3 y28d0 wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a4 y28d1 w10c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28d2 w33 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">T<span class=\"_ _5\"></span>otal income<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3a5 y28d3 w19c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">14<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a6 y28d3 w28 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a7 y28d2 w19d h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8a ws86\">14<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x302 y28d3 w19e h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28d4 w37 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3a8 y28d4 w19f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a9 y28d4 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3aa y28d5 w1a0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls121 ws11a\">2.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ab y28d4 wb1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28d6 w1a1 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">Net income<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3ac y28d7 wff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls87 ws83\">16.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ad y28d7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ae y28d6 w1a2 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls9 ws8\">16.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3af y28d7 w1a3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">3<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28d8 w43 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">People c<span class=\"_ _1\"></span>osts<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3b0 y28d8 w1a4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(16.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b1 y28d8 w69 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b2 y28d9 w6f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8a ws86\">(14<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b3 y28d8 w1a5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(28<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28da w49 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Marke<span class=\"_ _1\"></span>ting costs<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3b4 y28da w1a6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b5 y28da w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b6 y28db w1a7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b7 y28da w1a8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(11<span class=\"_ _0\"></span>.3<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y28dc ff4 fs6 fc5 sc0 ls2 ws2\">De<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n, a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on, i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y28dd w1a9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ns/(los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b8 y28dd w1aa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">1<span class=\"_ _0\"></span>0, 11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3b9 y28dd w199 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ba y28dd w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3bb y28de w1ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3bc y28dd w1ac h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(10<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28df w1ad h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">(Ch<span class=\"_ _1\"></span>arge)<span class=\"_ _1\"></span>/<span class=\"_ _1\"></span>credit f<span class=\"_ _1\"></span>or e<span class=\"_ _1\"></span>xpected<span class=\"_ _1\"></span> credit lo<span class=\"_ _1\"></span>sses<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3bd y28df w1ae h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls87 ws83\">15, 16<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3be y28df w1af h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _2\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x393 y28df w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3bf y28e0 w1b0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c0 y28df w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28e1 w58 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>her c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3c1 y28e1 w1b2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(6<span class=\"_ _0\"></span>.2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c2 y28e1 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c3 y28e2 w1b3 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c4 y28e1 w1b4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(<span class=\"_ _0\"></span>11.<span class=\"_ _0\"></span>0)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28e3 w5c h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">Operating<span class=\"_ _1\"></span> expenses<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3c5 y28e4 w1b5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c6 y28e4 w69 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c7 y28e3 w1b6 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(24.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c8 y28e4 w1b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>61<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y28e5 ff6 fs6 fc5 sc0 ls2 ws2\">Rea<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d F<span class=\"_ _0\"></span>X re<span class=\"_ _0\"></span>cycl<span class=\"_ _0\"></span>ed fr<span class=\"_ _0\"></span>om fo<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>y </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y28e6 w1b8 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">translat<span class=\"_ _1\"></span>ion<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3c9 y28e7 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ca y28e7 w1b9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">8.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3cb y28e6 w1ba h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3cc y28e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28e8 w1bb h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">Gain on<span class=\"_ _1\"></span> disposal of US<span class=\"_ _1\"></span> business<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x39e y28e9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3cd y28e9 w1bc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ce y28e8 w1bd h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">8<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3cf y28e9 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28ea w1be h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lse3 wsdc\">(Los<span class=\"_ _0\"></span>s)/prof<span class=\"_ _0\"></span>it b<span class=\"_ _0\"></span>efo<span class=\"_ _0\"></span>re t<span class=\"_ _0\"></span>axati<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3d0 y28eb w1bf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d1 y28eb w1c0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d2 y28ea w1c1 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">8.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d3 y28eb w1c2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">(2<span class=\"_ _1\"></span>3.3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y28ec w1c3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Income t<span class=\"_ _1\"></span>ax<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d4 y28ec w1c4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d5 y28ec w1c5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d6 y28ec w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d7 y28ed w1c6 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3d8 y28ec w118 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(6<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y28ee w1c7 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">(Loss)/prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r fro<span class=\"_ _0\"></span>m<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3d9 y28ee w1c8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>10.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3da y28ee w1c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3db y28ef w71 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">8.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3dc y28ee w72 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>0.1)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y28f0 ff6 fs6 fc5 sc0 ls13 ws12\">Other compr<span class=\"_ _1\"></span>ehensive inc<span class=\"_ _1\"></span>ome/<span class=\"_ _1\"></span>(e<span class=\"_ _1\"></span>xpense)<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28f1 ff4 fs6 fc5 sc0 ls2 ws2\">Exc<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s on t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sl<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n </td><td class=\"c n x3dd y28f2 wed h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">19<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3de y28f2 w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3df y28f2 w1ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(8.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e0 y28f3 w7b h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e1 y28f2 w1cb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y28f4 ff4 fs6 fc5 sc0 ls13 ws12\">operati<span class=\"_ _1\"></span>ons \u2013 di<span class=\"_ _1\"></span>scontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y28f5 w1cc h95\"><div class=\"t m0 x1ba ha y27e0 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal compreh<span class=\"_ _1\"></span>ensive (<span class=\"_ _1\"></span>ex<span class=\"_ _1\"></span>pense)<span class=\"_ _1\"></span>/income f<span class=\"_ _1\"></span>or the<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">year a<span class=\"_ _0\"></span>tt<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>bu<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le to ow<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rs of t<span class=\"_ _0\"></span>he Pa<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3e2 y28f6 w1cd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(1<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e3 y28f6 w1ce h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">9.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e4 y28f7 w1cf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e5 y28f6 w8a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(32<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y28f8 ff6 fs6 fc5 sc0 lsd5 wscc\">Earnings<span class=\"_ _1\"></span> per share<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y28f9 ff4 fs6 fc5 sc0 ls2 ws2\">Bas<span class=\"_ _0\"></span>ic a<span class=\"_ _0\"></span>nd d<span class=\"_ _0\"></span>ilu<span class=\"_ _0\"></span>ted (l<span class=\"_ _0\"></span>oss)/ear<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>gs p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y28fa w1d0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">from<span class=\"_ _1\"></span> disconti<span class=\"_ _1\"></span>nued operation<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e6 y28fa w4a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e7 y28fa w1d1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3.<span class=\"_ _0\"></span>0)<span class=\"_ _0\"></span>p<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3e8 y28fb w1d2 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">2.4p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3e9 y28fa w1d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(8.7<span class=\"_ _0\"></span>)p<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y28fc ff4 fs6 fc5 sc0 ls2 ws2\">Bas<span class=\"_ _0\"></span>ic a<span class=\"_ _0\"></span>nd d<span class=\"_ _0\"></span>ilu<span class=\"_ _0\"></span>ted (l<span class=\"_ _0\"></span>oss)/ear<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>gs p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re </td><td class=\"c n x3ea y28fd w4a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3eb y28fd w1d4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0)<span class=\"_ _0\"></span>p<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x3ec y28fe w1d5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsca wsc2\">2.<span class=\"_ _0\"></span>2p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ed y28fd w1d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(8.7<span class=\"_ _0\"></span>)p<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y28ff ff4 fs6 fc5 sc0 ls13 ws12\">from<span class=\"_ _1\"></span> disconti<span class=\"_ _1\"></span>nued operation<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr></table>Segmental<span class=\"_ _1\"></span> Adjust<span class=\"_ _1\"></span>ed EBITDA<span class=\"_ _1\"></span> from di<span class=\"_ _1\"></span>scontinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span><table class=\"s w1d6 h9f\" id=\"_0a587f68-9bf3-417a-996c-a43b7eab9e0f\"><tr><td></td><td class=\"t m0 x24e h38 y2900 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2900 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2901 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2901 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2902 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2902 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2826 w1d7 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsfe wsf7\">Adjusted EBITD<span class=\"_ _1\"></span>A<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ee y2826 w7a h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ef y2825 w1d8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(10.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2903 w1d9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Discount<span class=\"_ _1\"></span> unwind on<span class=\"_ _1\"></span> lease lia<span class=\"_ _1\"></span>bilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f0 y2904 w139 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f1 y2903 w1da h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2905 w1db h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">De<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n, a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on, i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>nd m<span class=\"_ _0\"></span>odi<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n ga<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>/(loss<span class=\"_ _0\"></span>es)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f2 y2906 w51 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f3 y2905 w1dc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(10.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w1dd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Exceptional it<span class=\"_ _1\"></span>ems<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x27e y27e6 w1de h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls87 ws83\">18.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f4 y27e5 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w1df h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Share-based pa<span class=\"_ _1\"></span>yments and social security cos<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f5 y27e8 w1e0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f6 y27e7 w10f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2907 w1e1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Foreign<span class=\"_ _1\"></span> exchange gain<span class=\"_ _1\"></span>s/(losses<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f7 y2908 wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f8 y2907 w1e2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w1e3 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>t/(lo<span class=\"_ _0\"></span>ss) befo<span class=\"_ _0\"></span>re t<span class=\"_ _0\"></span>ax<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f9 y27ec w1c1 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">8.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3fa y27eb w1c2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">(23.3<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr></table>Cash flo<span class=\"_ _1\"></span>w<span class=\"_ _2d6\"> </span><table class=\"s w1e4 ha0\" id=\"_f170e29e-00ce-49cd-a91d-c5adeca85ab1\"><tr><td></td><td class=\"t m0 x24e h38 y2909 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2909 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y290a ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y290a ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y290b ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y290b ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2825 w173 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s at th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nni<span class=\"_ _0\"></span>ng of t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3fb y2826 wc1 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd2 wsc9\">22.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x29a y2825 w1e5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290c w1e6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Net c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h out<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>low fr<span class=\"_ _0\"></span>om o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3fc y290d w1e7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">(8.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3fd y290c w1e8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls88 ws84\">(12<span class=\"_ _0\"></span>.3<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2829 w1e9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Net cash (<span class=\"_ _1\"></span>out<span class=\"_ _0\"></span>flow)<span class=\"_ _1\"></span>/i<span class=\"_ _0\"></span>nflow from<span class=\"_ _1\"></span> i<span class=\"_ _0\"></span>nv<span class=\"_ _1\"></span>esting activities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3fe y282a w1ea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ff y2829 w1eb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">64.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290e w1ec h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h out<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>low fr<span class=\"_ _0\"></span>om f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cin<span class=\"_ _0\"></span>g ac<span class=\"_ _0\"></span>tiv<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x400 y290f w89 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x401 y290e w1ed h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e8 w1ee h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls1e ws26\">Net (<span class=\"_ _1\"></span>decrease)<span class=\"_ _1\"></span>/in<span class=\"_ _0\"></span>crease in cash<span class=\"_ _1\"></span> ge<span class=\"_ _0\"></span>nerated<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x402 y27e8 w79 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x403 y27e7 w1ef h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">23<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w176 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Effec<span class=\"_ _0\"></span>t of forei<span class=\"_ _0\"></span>gn exch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge r<span class=\"_ _0\"></span>ate cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x404 y282f w1f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x405 y2830 w1f1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(0.8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w178 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>sh a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s at the e<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d of the ye<span class=\"_ _0\"></span>ar<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x406 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x407 y27eb w21 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">22.3<span class=\"_ _2d6\"> </span></div></td></tr></table>Det<span class=\"_ _0\"></span>ail<span class=\"_ _0\"></span>s of th<span class=\"_ _0\"></span>e sa<span class=\"_ _0\"></span>le of th<span class=\"_ _0\"></span>e US b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess (except<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>tems):<span class=\"_ _2d6\"> </span><table class=\"s w1f2 ha1\" id=\"_a24af472-01c7-4f7f-9093-ee9a5980233d\"><tr><td></td><td class=\"t m0 x255 h35 y2910 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2911 ff4 fs6 fc5 sc0 ls1e ws26\">Consideration r<span class=\"_ _1\"></span>eceived:<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"c n x1c5 y2912 w1f3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>ion at p<span class=\"_ _0\"></span>revai<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng exch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge r<span class=\"_ _0\"></span>ate<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x408 y2912 w1f4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2913 w1f5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net as<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>s dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n (i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g ca<span class=\"_ _0\"></span>sh a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts of \u00a323.1 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x409 y2913 w1f6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(22<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2914 w1f7 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">Gross gain<span class=\"_ _1\"></span> on sale<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40a y2915 w16c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">10.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2916 w1f8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>t tra<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n cos<span class=\"_ _0\"></span>ts for l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>al, a<span class=\"_ _0\"></span>dvi<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d othe<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>sts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40b y2916 w1f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2917 w1fa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>act of (ea<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>y vesti<span class=\"_ _0\"></span>ng)/l<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g US s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>e opti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40c y2917 w69 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2918 w1fb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>her d<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>al re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40d y2918 w199 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282e w1fc h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Ga<span class=\"_ _0\"></span>in o<span class=\"_ _0\"></span>n sa<span class=\"_ _0\"></span>le<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40e y282d w1fd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">9.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w1fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Re<span class=\"_ _0\"></span>cla<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cur<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ncy t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sl<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x40f y2830 w1b9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">8.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w1ff h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n as a r<span class=\"_ _0\"></span>esu<span class=\"_ _0\"></span>lt o<span class=\"_ _0\"></span>f dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>l af<span class=\"_ _0\"></span>ter r<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of fo<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>cy tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n re<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x410 y27eb w1c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.5</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-383": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2f ws30 gs5d3\">4. Ex<span class=\"_ _1\"></span>cept<span class=\"_ _1\"></span>ional it<span class=\"_ _1\"></span>ems<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5d4\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p refl<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ts its u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al res<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ts in t<span class=\"_ _0\"></span>he \u201cb<span class=\"_ _0\"></span>efore except<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al ite<span class=\"_ _0\"></span>ms<span class=\"_ _0\"></span>\u201d col<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>n of the c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5d5\">statem<span class=\"_ _0\"></span>ent of co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rehe<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e in o<span class=\"_ _0\"></span>rder to pr<span class=\"_ _0\"></span>ovide a c<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ar an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>stent view of t<span class=\"_ _0\"></span>rad<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g per<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5d6\">As pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of it<span class=\"_ _0\"></span>s ong<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>ng co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>itm<span class=\"_ _0\"></span>ent to prof<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up l<span class=\"_ _0\"></span>aun<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>ed a re<span class=\"_ _0\"></span>dun<span class=\"_ _0\"></span>dan<span class=\"_ _0\"></span>cy an<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t eff<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>ncy p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>me </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5d7\">dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. Th<span class=\"_ _0\"></span>is pr<span class=\"_ _0\"></span>oce<span class=\"_ _0\"></span>ss wi<span class=\"_ _0\"></span>ll re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>t in a s<span class=\"_ _0\"></span>imp<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, l<span class=\"_ _0\"></span>ean<span class=\"_ _0\"></span>er an<span class=\"_ _0\"></span>d bet<span class=\"_ _0\"></span>ter p<span class=\"_ _0\"></span>osit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ned U<span class=\"_ _0\"></span>K<span class=\"_ _1\"></span>-foc<span class=\"_ _0\"></span>use<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>is res<span class=\"_ _0\"></span>ulted </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5d8\">in re<span class=\"_ _0\"></span>dun<span class=\"_ _0\"></span>dan<span class=\"_ _0\"></span>cy cos<span class=\"_ _0\"></span>ts of \u00a32.3 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent of ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ment s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>ntan<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>ssets of \u00a30.<span class=\"_ _0\"></span>3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5d9\">whi<span class=\"_ _0\"></span>ch we<span class=\"_ _0\"></span>re treated as exce<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>nal i<span class=\"_ _0\"></span>tems<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5da\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p dis<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>ed of i<span class=\"_ _0\"></span>ts investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess o<span class=\"_ _0\"></span>n 1 Ju<span class=\"_ _0\"></span>ly 2024, as detai<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d in note 3.</div>",
   "dimensions": {
    "concept": "fundingcircleholdingsplc:DisclosureOfExceptionalItems",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-384": {
   "value": "5. Segment<span class=\"_ _1\"></span>a<span class=\"_ _0\"></span>l inf<span class=\"_ _1\"></span>ormation<span class=\"_ _2d6\"> </span>IFR<span class=\"_ _0\"></span>S 8 Op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Seg<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>res th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up to deter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>e its o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>egm<span class=\"_ _0\"></span>ents b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n whi<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>s use<span class=\"_ _0\"></span>d inter<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ly for d<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on ma<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>. Bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the i<span class=\"_ _0\"></span>ntern<span class=\"_ _0\"></span>al rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n and m<span class=\"_ _0\"></span>ana<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt str<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>res wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up, it ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d that th<span class=\"_ _0\"></span>ere a<span class=\"_ _0\"></span>re two c<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss an<span class=\"_ _0\"></span>d on<span class=\"_ _0\"></span>e dis<span class=\"_ _0\"></span>cont<span class=\"_ _0\"></span>inu<span class=\"_ _0\"></span>ed U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng seg<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts. R<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>n thi<span class=\"_ _0\"></span>s bas<span class=\"_ _0\"></span>is is revi<span class=\"_ _0\"></span>ewed by th<span class=\"_ _0\"></span>e Exec<span class=\"_ _0\"></span>uti<span class=\"_ _0\"></span>ve Com<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ttee (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>Ex<span class=\"_ _0\"></span>Co<span class=\"_ _0\"></span>\u201d), form<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ly kn<span class=\"_ _0\"></span>own as t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>lob<span class=\"_ _0\"></span>al Leade<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hip T<span class=\"_ _1\"></span>ea<span class=\"_ _0\"></span>m (\u201c<span class=\"_ _0\"></span>GL<span class=\"_ _1\"></span>T\u201d<span class=\"_ _0\"></span>), which i<span class=\"_ _0\"></span>s the c<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ef op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ing d<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on ma<span class=\"_ _0\"></span>ker (\u201c<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>DM<span class=\"_ _2\"></span>\u201d). The ExC<span class=\"_ _0\"></span>o is ma<span class=\"_ _0\"></span>de u<span class=\"_ _0\"></span>p of the E<span class=\"_ _0\"></span>xecu<span class=\"_ _0\"></span>tive Di<span class=\"_ _0\"></span>rector<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d othe<span class=\"_ _0\"></span>r se<span class=\"_ _0\"></span>nio<span class=\"_ _0\"></span>r man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d is res<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e for the s<span class=\"_ _0\"></span>trateg<span class=\"_ _0\"></span>ic d<span class=\"_ _0\"></span>eci<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n ma<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up.<span class=\"_ _2d6\"> </span>The O<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er se<span class=\"_ _0\"></span>gm<span class=\"_ _0\"></span>ent hi<span class=\"_ _0\"></span>stor<span class=\"_ _0\"></span>ica<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s T<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>m Loans b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s in G<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>many a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e Neth<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nds<span class=\"_ _0\"></span>. The Ot<span class=\"_ _0\"></span>her s<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>ment h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n UK T<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>m Loans fo<span class=\"_ _0\"></span>r the yea<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>ded 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ber 2024 on th<span class=\"_ _0\"></span>e bas<span class=\"_ _0\"></span>is it i<span class=\"_ _0\"></span>s no lo<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>r in<span class=\"_ _0\"></span>div<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly mater<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l. Th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ve year to 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023 has not be<span class=\"_ _0\"></span>en re<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ented as i<span class=\"_ _0\"></span>t is im<span class=\"_ _0\"></span>mater<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>. The E<span class=\"_ _0\"></span>xC<span class=\"_ _0\"></span>o meas<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>s the p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce of e<span class=\"_ _0\"></span>ach s<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt pr<span class=\"_ _0\"></span>ima<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ly by referen<span class=\"_ _0\"></span>ce to prof<span class=\"_ _0\"></span>it b<span class=\"_ _0\"></span>efore tax. A<span class=\"_ _0\"></span>ddi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ly<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he ExC<span class=\"_ _0\"></span>o ut<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ses a n<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>GA<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>P me<span class=\"_ _0\"></span>asur<span class=\"_ _0\"></span>e, Adjus<span class=\"_ _0\"></span>ted EBI<span class=\"_ _0\"></span>TDA<span class=\"_ _0\"></span>, whi<span class=\"_ _0\"></span>ch is d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d as prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>los<span class=\"_ _0\"></span>s for th<span class=\"_ _0\"></span>e year b<span class=\"_ _0\"></span>efore fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nce c<span class=\"_ _0\"></span>osts (bei<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unt unw<span class=\"_ _0\"></span>ind o<span class=\"_ _0\"></span>n le<span class=\"_ _0\"></span>ase l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es)<span class=\"_ _1\"></span>, ta<span class=\"_ _0\"></span>xatio<span class=\"_ _0\"></span>n, dep<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>iati<span class=\"_ _0\"></span>on, a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ents (<span class=\"_ _0\"></span>\u201cAEBITDA\u201d), and a<span class=\"_ _0\"></span>dd<span class=\"_ _0\"></span>itio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly excl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>-ba<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d payme<span class=\"_ _0\"></span>nt ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iated so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y co<span class=\"_ _0\"></span>sts, fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge an<span class=\"_ _0\"></span>d exceptio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l items<span class=\"_ _0\"></span>. AEB<span class=\"_ _0\"></span>ITDA is a m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ure of G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p per<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce as it a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ows bet<span class=\"_ _0\"></span>ter co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ara<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e un<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>lyi<span class=\"_ _0\"></span>ng pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e of the b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss. T<span class=\"_ _0\"></span>he s<span class=\"_ _0\"></span>egm<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng, i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ing A<span class=\"_ _0\"></span>EB<span class=\"_ _0\"></span>ITDA<span class=\"_ _0\"></span>, exclud<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>fer pr<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ents as t<span class=\"_ _0\"></span>his i<span class=\"_ _0\"></span>s not infor<span class=\"_ _0\"></span>mat<span class=\"_ _0\"></span>ion p<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>ented to, or use<span class=\"_ _0\"></span>d by<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e COD<span class=\"_ _0\"></span>M in d<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on ma<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>r the a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of resou<span class=\"_ _0\"></span>rces<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span><table class=\"s w200 ha2\" id=\"_2d51f755-f25a-4627-a85b-09b108fca735\"><tr><td></td><td></td><td class=\"c x412 y2919 w201 h8e\"><div class=\"t m0 x1ba h38 y2799 ff2 fs19 fc3 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2<span class=\"_ _0\"></span>024</div><div class=\"t m0 x411 h46 y279a ff2 fs17 fc3 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td class=\"c x414 y291b w202 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023</div><div class=\"t m0 x413 h2b y291a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c n x415 y291c w203 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 lscf wsc6\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x416 y291c w204 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lscf wsc6\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c n x417 y291d w205 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 lscf wsc6\">United<span class=\"_ _1\"></span> King<span class=\"_ _0\"></span>dom<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x418 y291d w206 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _2\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x419 y291d w207 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lscf wsc6\">United<span class=\"_ _1\"></span> Kingdom<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x41a y291d w208 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Other<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x41b y291d w209 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x41c h38 y291e ff2 fs19 fc3 sc0 ls120 ws118\">T<span class=\"_ _1\"></span>erm<span class=\"_ _1\"></span> Loans<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x377 h38 y291e ff2 fs19 fc3 sc0 lsdc wsd3\">Flex<span class=\"_ _0\"></span>iPay<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x41d h38 y291e ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x41e h35 y291e ff4 fs19 fc5 sc0 ls119 ws112\">Te<span class=\"_ _0\"></span>r<span class=\"_ _2\"></span>m<span class=\"_ _0\"></span> L<span class=\"_ _2\"></span>o<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>n<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x41f h35 y291e ff4 fs19 fc5 sc0 lse5 wsde\">Fle<span class=\"_ _1\"></span>xiPay<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x420 h35 y291e ff4 fs19 fc5 sc0 ls119 ws112\">Te<span class=\"_ _0\"></span>r<span class=\"_ _2\"></span>m<span class=\"_ _0\"></span> L<span class=\"_ _2\"></span>o<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>n<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x421 h35 y291e ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x422 h38 y291f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 h38 y291f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x423 h38 y291f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b9 h35 y291f ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x424 h35 y291f ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x425 h35 y291f ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x426 h35 y291f ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2920 w1a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>ransaction<span class=\"_ _1\"></span> fees<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x427 y2921 w20a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">84.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x428 y2921 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6</div></td><td class=\"c n x429 y2921 w1b h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfd wsf6\">85.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x42a y2920 w20b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">65.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x42b y2920 w20c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x42c y2920 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x42d y2920 w1e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">65.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2922 w1f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Servicing f<span class=\"_ _1\"></span>ees<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x42e y2923 w20 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x42f y2923 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x430 y2923 w20 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x431 y2922 w20d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">38.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x432 y2922 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x433 y2922 w20e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x434 y2922 w20f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">3<span class=\"_ _0\"></span>9.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2924 w18b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Intere<span class=\"_ _0\"></span>st i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x435 y2925 w71 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">8.3</div></td><td class=\"c n x436 y2925 w172 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">22.6</div></td><td class=\"c n x437 y2925 w210 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">30.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x438 y2924 w211 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x439 y2924 w212 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2d\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x43a y2924 w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x43b y2924 w213 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">15.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2926 w26 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other fees<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x43c y2927 w214 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">5<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x43d y2927 wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x43e y2927 w215 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfd wsf6\">5.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x43f y2926 w216 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">6.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x440 y2926 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x441 y2926 w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x442 y2926 w2a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">6.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2928 w217 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Operating income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x443 y2929 w218 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">13<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>6</div></td><td class=\"c n x444 y2929 w155 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">23<span class=\"_ _0\"></span>.3</div></td><td class=\"c n x445 y2929 w219 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">15<span class=\"_ _0\"></span>8.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x446 y2928 w21a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x439 y2928 w21b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2d\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x447 y2928 wfd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.4</div></td><td class=\"c n x448 y2928 w21c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y292a w2f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x449 y292b w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">2.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x44a y292b w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x44b y292b w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">2.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x44c y292a w21d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">3.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x44d y292a w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x44e y292a w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x44f y292a w21e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">3<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y292c w33 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">T<span class=\"_ _5\"></span>otal income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x450 y292c w21f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">138.<span class=\"_ _1\"></span>4</div></td><td class=\"c n x451 y292c w220 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">23<span class=\"_ _0\"></span>.3</div></td><td class=\"c n x452 y292c wfe h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">161<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x453 y292d w221 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">121<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x454 y292d w222 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x455 y292d we7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>4</div></td><td class=\"c n x456 y292d w36 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">129.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y292e w37 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x457 y292f w223 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">4.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x458 y292f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x459 y292f w224 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">4.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x45a y292e w225 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">3<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x45b y292e w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x45c y292e w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x45d y292e w226 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">3<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2930 w3b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cos<span class=\"_ _0\"></span>t of fu<span class=\"_ _0\"></span>nds<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x45e y2931 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x45f y2931 w68 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls53 ws6d\">(5<span class=\"_ _0\"></span>.8<span class=\"_ _0\"></span>)</div></td><td class=\"c n x460 y2931 w1bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls53 ws6d\">(5<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x461 y2930 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x462 y2930 w3e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x463 y2930 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x464 y2930 w3e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2932 w1a1 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">Net income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x465 y2932 w2c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8a ws86\">142<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x466 y2932 w227 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5</div></td><td class=\"c n x467 y2932 w228 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x468 y2933 w229 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls89 ws85\">124<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x469 y2933 w22a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x46a y2933 wfd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.4</div></td><td class=\"c n x46b y2933 w22b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">13<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27dd w1d7 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsfe wsf7\">Adjusted EBITD<span class=\"_ _1\"></span>A<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x46c y27dd w22c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>0</div></td><td class=\"c n x46d y27dd w22d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">(12<span class=\"_ _0\"></span>.5<span class=\"_ _0\"></span>)</div></td><td class=\"c n x46e y27dd w22e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">24.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x46f y27dc w184 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">21.3</div></td><td class=\"c n x470 y27dc w22f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(14<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x471 y27dc w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x472 y27dc w230 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2934 w1d9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Discount<span class=\"_ _1\"></span> unwind on<span class=\"_ _1\"></span> lease lia<span class=\"_ _1\"></span>bilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x473 y2935 w89 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x474 y2935 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x475 y2935 w89 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x476 y2934 w231 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x477 y2934 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x478 y2934 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x479 y2934 w232 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y288d w233 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls13 ws12\">Deprecia<span class=\"_ _1\"></span>tion, amortisa<span class=\"_ _1\"></span>tion,<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>nd m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2936 w234 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">(gains<span class=\"_ _1\"></span>/l<span class=\"_ _0\"></span>osses<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x47a y2937 w235 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(11<span class=\"_ _0\"></span>.4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x47b y2937 w236 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1.8)</div></td><td class=\"c n x47c y2937 w237 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x47d y2936 w238 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(11<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x47e y2936 w239 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x47f y2936 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x480 y2936 w23a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">(12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2938 ff4 fs6 fc5 sc0 ls1e ws26\">Share-based pa<span class=\"_ _1\"></span>yments and social </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27e5 w23b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">security costs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x481 y27e6 w23c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(6<span class=\"_ _0\"></span>.5<span class=\"_ _0\"></span>)</div></td><td class=\"c n x482 y27e6 w23d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(1.<span class=\"_ _0\"></span>3)</div></td><td class=\"c n x483 y27e6 w23e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>7.<span class=\"_ _2d\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x484 y27e5 w23f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">(3.3)</div></td><td class=\"c n x485 y27e5 w240 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x486 y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x487 y27e5 w136 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y288f w1dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Exceptional it<span class=\"_ _1\"></span>ems<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x488 y2890 w241 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(2<span class=\"_ _2\"></span>.3)</div></td><td class=\"c n x489 y2890 w242 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)</div></td><td class=\"c n x48a y2890 w243 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x48b y288f w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x48c y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x48d y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x48e y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w244 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Foreign<span class=\"_ _1\"></span> exchange<span class=\"_ _1\"></span> gains<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x48f y282f w161 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x474 y282f w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x490 y282f w245 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x491 y2830 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x492 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x493 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x494 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w1e3 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>t/(lo<span class=\"_ _0\"></span>ss) befo<span class=\"_ _0\"></span>re t<span class=\"_ _0\"></span>ax<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x495 y27ec w246 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">16.7</div></td><td class=\"c n x496 y27ec w247 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">(15.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x497 y27ec w248 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x498 y27eb w249 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">6.<span class=\"_ _0\"></span>5</div></td><td class=\"c n x499 y27eb w24a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>16.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x49a y27eb w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x49b y27eb w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(9.9)<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Th<span class=\"_ _0\"></span>e se<span class=\"_ _0\"></span>gm<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>nta<span class=\"_ _0\"></span>l re<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ts of t<span class=\"_ _0\"></span>he U<span class=\"_ _0\"></span>S bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s ar<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>t pr<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ted a<span class=\"_ _0\"></span>bo<span class=\"_ _0\"></span>ve an<span class=\"_ _0\"></span>d ar<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>nte<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>in n<span class=\"_ _0\"></span>ote 3 \u2013 d<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>ns",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-385": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs5dc\">6. O<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g expe<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div><div class=\"gs5dd\"><table class=\"s w24b ha3\" id=\"_2246df11-0908-414e-b153-61ce64cccad8\"><tr><td></td><td></td><td class=\"t m0 x49c h35 y2939 ff4 fs19 fc5 sc0 lscf wsc6\">Bef<span class=\"_ _1\"></span>ore<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x49d h35 y293a ff4 fs19 fc5 sc0 ls14e ws14b\">exce<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49e h35 y293a ff4 fs19 fc5 sc0 lse4 wsdd\">Exceptional<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24e h38 y293a ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49f h35 y293a ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x4a0 h35 y293b ff4 fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms<span class=\"_ _2d6\"> </span></td><td class=\"c x4a2 y293c w24c h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms</div><div class=\"t m0 x4a1 h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x250 h38 y293b ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a3 h35 y293b ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a4 h35 y293d ff4 fs19 fc5 sc0 ls108 ws101\">No<span class=\"_ _0\"></span>te<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a5 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a6 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a7 h38 y293d ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a8 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y293e ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y293f w24d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4a9 y293f w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4aa y293f w24f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ab y293f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ac y2940 w250 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ad y293f w251 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2941 w252 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ae y2941 w253 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">4, 10<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4af y2941 w254 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">10.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b0 y2941 w255 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b1 y2942 w256 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b2 y2941 w257 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">9<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2943 w258 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b3 y2943 w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b4 y2943 w1da h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b5 y2943 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b6 y2944 w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x33a y2943 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2945 w25a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Rent<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e and o<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4b7 y2945 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b8 y2945 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b9 y2946 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ba y2945 w1e0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2947 w25b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Emp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cost<span class=\"_ _0\"></span>s (in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bb y2947 w25c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bc y2947 w25d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">6<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bd y2947 w25e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4be y2948 w25f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">70.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bf y2947 w260 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">65.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2949 w261 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ma<span class=\"_ _0\"></span>rketi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>osts \u2013 (exclu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>ment c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c0 y2949 w144 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>5.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c1 y2949 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c2 y294a w262 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">45.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c3 y2949 w263 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y294b w264 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Data a<span class=\"_ _0\"></span>nd te<span class=\"_ _0\"></span>chn<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>gy<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c4 y294b w222 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c5 y294b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c6 y294c w7f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c7 y294b w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">6.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2854 w266 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Exp<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t lo<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c8 y2854 w267 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">16, 27<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c9 y2854 w117 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">8<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ca y2854 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cb y294d w268 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cc y2854 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2856 w269 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other expenses<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4cd y2856 w26a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ce y2856 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cf y294e w239 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8a ws86\">14.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d0 y2856 w26b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w26c ha4\"><div class=\"t m0 x1ba ha y27e0 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal opera<span class=\"_ _1\"></span>ting ex<span class=\"_ _1\"></span>penses from<span class=\"_ _1\"></span> continuing<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls13 ws12\">operations<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4d1 y294f w26d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">156<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d2 y294f w11b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d3 y2950 w26e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">159.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d4 y294f w72 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">140.0<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs5de\">1. <span class=\"_ _1f\"> </span>Se<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>te 4 fo<span class=\"_ _0\"></span>r det<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>s on exc<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l ite<span class=\"_ _0\"></span>ms<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs5df\">Audit<span class=\"_ _1\"></span>ors\u2019 remunera<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span></div><div class=\"gs5e0\"><table class=\"s w26f ha5\" id=\"_8bac6f05-4cbf-4c18-8b2d-e00f2eddee0a\"><tr><td></td><td class=\"t m0 x24e h38 y2951 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2951 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2952 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2952 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2953 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2953 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2954 ff6 fs6 fc5 sc0 lsd6 wscd\">Aud<span class=\"_ _0\"></span>it fe<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 hd y2955 ff4 fs6 fc5 sc0 ls15 ws14\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 hd y2956 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013  <span class=\"_ _a\"></span>Fee<span class=\"_ _0\"></span>s payab<span class=\"_ _0\"></span>le to th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _0\"></span>\u2019s a<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>tor<span class=\"_ _0\"></span>s for th<span class=\"_ _0\"></span>e au<span class=\"_ _0\"></span>dit of t<span class=\"_ _0\"></span>he Pa<span class=\"_ _0\"></span>rent C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny an<span class=\"_ _0\"></span>d con<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated </td><td></td><td></td></tr><tr><td class=\"c n x4d5 y27de w270 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>tatem<span class=\"_ _0\"></span>ents<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d6 y27df w168 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d7 y27de wa7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2957 w271 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">\u2013  <span class=\"_ _a\"></span>Fee<span class=\"_ _0\"></span>s payab<span class=\"_ _0\"></span>le to th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _0\"></span>\u2019s a<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>tor<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>ts as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates for th<span class=\"_ _0\"></span>e statu<span class=\"_ _0\"></span>tor<span class=\"_ _0\"></span>y a<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>t of th<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x4d8 hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>tatem<span class=\"_ _0\"></span>ents of s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>iar<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>s of the C<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d9 y2958 w161 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4da y2959 w272 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y295a w273 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal a<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>it fe<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4db y295a w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4dc y295b w274 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y295c ff6 fs6 fc5 sc0 ls17 ws16\">Non-audit service fees<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27e7 w275 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Aud<span class=\"_ _0\"></span>it-re<span class=\"_ _0\"></span>lated a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ura<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4dd y27e8 w6c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4de y27e7 w24f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2907 w276 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">\u2013 Other assurance<span class=\"_ _1\"></span> ser<span class=\"_ _0\"></span>vices<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4df y2908 wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e0 y2907 w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w277 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">T<span class=\"_ _5\"></span>otal non-audit service f<span class=\"_ _1\"></span>ees<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e1 y27ec w168 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e2 y27eb wfd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.4</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-467": {
   "value": "6. O<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g expe<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span><table class=\"s w24b ha3\" id=\"_2246df11-0908-414e-b153-61ce64cccad8\"><tr><td></td><td></td><td class=\"t m0 x49c h35 y2939 ff4 fs19 fc5 sc0 lscf wsc6\">Bef<span class=\"_ _1\"></span>ore<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x49d h35 y293a ff4 fs19 fc5 sc0 ls14e ws14b\">exce<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49e h35 y293a ff4 fs19 fc5 sc0 lse4 wsdd\">Exceptional<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24e h38 y293a ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49f h35 y293a ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x4a0 h35 y293b ff4 fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms<span class=\"_ _2d6\"> </span></td><td class=\"c x4a2 y293c w24c h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms</div><div class=\"t m0 x4a1 h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x250 h38 y293b ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a3 h35 y293b ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a4 h35 y293d ff4 fs19 fc5 sc0 ls108 ws101\">No<span class=\"_ _0\"></span>te<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a5 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a6 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a7 h38 y293d ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a8 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y293e ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y293f w24d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4a9 y293f w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4aa y293f w24f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ab y293f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ac y2940 w250 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ad y293f w251 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2941 w252 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ae y2941 w253 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">4, 10<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4af y2941 w254 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">10.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b0 y2941 w255 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b1 y2942 w256 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b2 y2941 w257 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">9<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2943 w258 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b3 y2943 w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b4 y2943 w1da h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b5 y2943 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b6 y2944 w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x33a y2943 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2945 w25a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Rent<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e and o<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4b7 y2945 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b8 y2945 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b9 y2946 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ba y2945 w1e0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2947 w25b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Emp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cost<span class=\"_ _0\"></span>s (in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bb y2947 w25c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bc y2947 w25d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">6<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bd y2947 w25e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4be y2948 w25f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">70.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bf y2947 w260 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">65.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2949 w261 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ma<span class=\"_ _0\"></span>rketi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>osts \u2013 (exclu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>ment c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c0 y2949 w144 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>5.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c1 y2949 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c2 y294a w262 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">45.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c3 y2949 w263 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y294b w264 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Data a<span class=\"_ _0\"></span>nd te<span class=\"_ _0\"></span>chn<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>gy<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c4 y294b w222 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c5 y294b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c6 y294c w7f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c7 y294b w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">6.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2854 w266 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Exp<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t lo<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c8 y2854 w267 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">16, 27<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c9 y2854 w117 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">8<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ca y2854 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cb y294d w268 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cc y2854 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2856 w269 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other expenses<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4cd y2856 w26a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ce y2856 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cf y294e w239 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8a ws86\">14.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d0 y2856 w26b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w26c ha4\"><div class=\"t m0 x1ba ha y27e0 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal opera<span class=\"_ _1\"></span>ting ex<span class=\"_ _1\"></span>penses from<span class=\"_ _1\"></span> continuing<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls13 ws12\">operations<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4d1 y294f w26d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">156<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d2 y294f w11b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d3 y2950 w26e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">159.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d4 y294f w72 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">140.0<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span>Se<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>te 4 fo<span class=\"_ _0\"></span>r det<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>s on exc<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l ite<span class=\"_ _0\"></span>ms<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Audit<span class=\"_ _1\"></span>ors\u2019 remunera<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span><table class=\"s w26f ha5\" id=\"_8bac6f05-4cbf-4c18-8b2d-e00f2eddee0a\"><tr><td></td><td class=\"t m0 x24e h38 y2951 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2951 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2952 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2952 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2953 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2953 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2954 ff6 fs6 fc5 sc0 lsd6 wscd\">Aud<span class=\"_ _0\"></span>it fe<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 hd y2955 ff4 fs6 fc5 sc0 ls15 ws14\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 hd y2956 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013  <span class=\"_ _a\"></span>Fee<span class=\"_ _0\"></span>s payab<span class=\"_ _0\"></span>le to th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _0\"></span>\u2019s a<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>tor<span class=\"_ _0\"></span>s for th<span class=\"_ _0\"></span>e au<span class=\"_ _0\"></span>dit of t<span class=\"_ _0\"></span>he Pa<span class=\"_ _0\"></span>rent C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny an<span class=\"_ _0\"></span>d con<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated </td><td></td><td></td></tr><tr><td class=\"c n x4d5 y27de w270 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>tatem<span class=\"_ _0\"></span>ents<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d6 y27df w168 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d7 y27de wa7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2957 w271 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">\u2013  <span class=\"_ _a\"></span>Fee<span class=\"_ _0\"></span>s payab<span class=\"_ _0\"></span>le to th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _0\"></span>\u2019s a<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>tor<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>ts as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates for th<span class=\"_ _0\"></span>e statu<span class=\"_ _0\"></span>tor<span class=\"_ _0\"></span>y a<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>t of th<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x4d8 hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>tatem<span class=\"_ _0\"></span>ents of s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>iar<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>s of the C<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d9 y2958 w161 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4da y2959 w272 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y295a w273 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal a<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>it fe<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4db y295a w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4dc y295b w274 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y295c ff6 fs6 fc5 sc0 ls17 ws16\">Non-audit service fees<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27e7 w275 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Aud<span class=\"_ _0\"></span>it-re<span class=\"_ _0\"></span>lated a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ura<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4dd y27e8 w6c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4de y27e7 w24f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2907 w276 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">\u2013 Other assurance<span class=\"_ _1\"></span> ser<span class=\"_ _0\"></span>vices<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4df y2908 wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e0 y2907 w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w277 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">T<span class=\"_ _5\"></span>otal non-audit service f<span class=\"_ _1\"></span>ees<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e1 y27ec w168 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e2 y27eb wfd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.4</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-419": {
   "value": "<table class=\"s w24b ha3\" id=\"_2246df11-0908-414e-b153-61ce64cccad8\"><tr><td></td><td></td><td class=\"t m0 x49c h35 y2939 ff4 fs19 fc5 sc0 lscf wsc6\">Bef<span class=\"_ _1\"></span>ore<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x49d h35 y293a ff4 fs19 fc5 sc0 ls14e ws14b\">exce<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49e h35 y293a ff4 fs19 fc5 sc0 lse4 wsdd\">Exceptional<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24e h38 y293a ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49f h35 y293a ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x4a0 h35 y293b ff4 fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms<span class=\"_ _2d6\"> </span></td><td class=\"c x4a2 y293c w24c h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms</div><div class=\"t m0 x4a1 h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x250 h38 y293b ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a3 h35 y293b ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a4 h35 y293d ff4 fs19 fc5 sc0 ls108 ws101\">No<span class=\"_ _0\"></span>te<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a5 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a6 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a7 h38 y293d ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a8 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y293e ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y293f w24d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4a9 y293f w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4aa y293f w24f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ab y293f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ac y2940 w250 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ad y293f w251 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2941 w252 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ae y2941 w253 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">4, 10<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4af y2941 w254 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">10.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b0 y2941 w255 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b1 y2942 w256 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b2 y2941 w257 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">9<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2943 w258 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b3 y2943 w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b4 y2943 w1da h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b5 y2943 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b6 y2944 w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x33a y2943 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2945 w25a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Rent<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e and o<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4b7 y2945 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b8 y2945 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b9 y2946 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ba y2945 w1e0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2947 w25b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Emp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cost<span class=\"_ _0\"></span>s (in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bb y2947 w25c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bc y2947 w25d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">6<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bd y2947 w25e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4be y2948 w25f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">70.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bf y2947 w260 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">65.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2949 w261 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ma<span class=\"_ _0\"></span>rketi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>osts \u2013 (exclu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>ment c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c0 y2949 w144 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>5.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c1 y2949 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c2 y294a w262 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">45.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c3 y2949 w263 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y294b w264 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Data a<span class=\"_ _0\"></span>nd te<span class=\"_ _0\"></span>chn<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>gy<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c4 y294b w222 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c5 y294b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c6 y294c w7f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c7 y294b w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">6.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2854 w266 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Exp<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t lo<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c8 y2854 w267 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">16, 27<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c9 y2854 w117 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">8<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ca y2854 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cb y294d w268 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cc y2854 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2856 w269 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other expenses<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4cd y2856 w26a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ce y2856 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cf y294e w239 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8a ws86\">14.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d0 y2856 w26b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w26c ha4\"><div class=\"t m0 x1ba ha y27e0 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal opera<span class=\"_ _1\"></span>ting ex<span class=\"_ _1\"></span>penses from<span class=\"_ _1\"></span> continuing<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls13 ws12\">operations<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4d1 y294f w26d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">156<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d2 y294f w11b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d3 y2950 w26e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">159.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d4 y294f w72 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">140.0<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span>Se<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>te 4 fo<span class=\"_ _0\"></span>r det<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>s on exc<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l ite<span class=\"_ _0\"></span>ms<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-447": {
   "value": "<table class=\"s w24b ha3\" id=\"_2246df11-0908-414e-b153-61ce64cccad8\"><tr><td></td><td></td><td class=\"t m0 x49c h35 y2939 ff4 fs19 fc5 sc0 lscf wsc6\">Bef<span class=\"_ _1\"></span>ore<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x49d h35 y293a ff4 fs19 fc5 sc0 ls14e ws14b\">exce<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49e h35 y293a ff4 fs19 fc5 sc0 lse4 wsdd\">Exceptional<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24e h38 y293a ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49f h35 y293a ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x4a0 h35 y293b ff4 fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms<span class=\"_ _2d6\"> </span></td><td class=\"c x4a2 y293c w24c h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms</div><div class=\"t m0 x4a1 h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x250 h38 y293b ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a3 h35 y293b ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a4 h35 y293d ff4 fs19 fc5 sc0 ls108 ws101\">No<span class=\"_ _0\"></span>te<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a5 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a6 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a7 h38 y293d ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a8 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y293e ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y293f w24d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4a9 y293f w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4aa y293f w24f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ab y293f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ac y2940 w250 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ad y293f w251 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2941 w252 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ae y2941 w253 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">4, 10<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4af y2941 w254 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">10.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b0 y2941 w255 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b1 y2942 w256 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b2 y2941 w257 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">9<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2943 w258 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b3 y2943 w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b4 y2943 w1da h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b5 y2943 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b6 y2944 w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x33a y2943 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2945 w25a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Rent<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e and o<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4b7 y2945 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b8 y2945 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b9 y2946 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ba y2945 w1e0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2947 w25b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Emp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cost<span class=\"_ _0\"></span>s (in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bb y2947 w25c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bc y2947 w25d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">6<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bd y2947 w25e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4be y2948 w25f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">70.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bf y2947 w260 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">65.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2949 w261 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ma<span class=\"_ _0\"></span>rketi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>osts \u2013 (exclu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>ment c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c0 y2949 w144 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>5.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c1 y2949 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c2 y294a w262 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">45.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c3 y2949 w263 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y294b w264 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Data a<span class=\"_ _0\"></span>nd te<span class=\"_ _0\"></span>chn<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>gy<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c4 y294b w222 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c5 y294b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c6 y294c w7f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c7 y294b w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">6.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2854 w266 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Exp<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t lo<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c8 y2854 w267 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">16, 27<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c9 y2854 w117 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">8<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ca y2854 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cb y294d w268 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cc y2854 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2856 w269 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other expenses<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4cd y2856 w26a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ce y2856 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cf y294e w239 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8a ws86\">14.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d0 y2856 w26b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w26c ha4\"><div class=\"t m0 x1ba ha y27e0 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal opera<span class=\"_ _1\"></span>ting ex<span class=\"_ _1\"></span>penses from<span class=\"_ _1\"></span> continuing<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls13 ws12\">operations<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4d1 y294f w26d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">156<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d2 y294f w11b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d3 y2950 w26e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">159.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d4 y294f w72 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">140.0<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span>Se<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>te 4 fo<span class=\"_ _0\"></span>r det<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>s on exc<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l ite<span class=\"_ _0\"></span>ms<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-459": {
   "value": "<table class=\"s w24b ha3\" id=\"_2246df11-0908-414e-b153-61ce64cccad8\"><tr><td></td><td></td><td class=\"t m0 x49c h35 y2939 ff4 fs19 fc5 sc0 lscf wsc6\">Bef<span class=\"_ _1\"></span>ore<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x49d h35 y293a ff4 fs19 fc5 sc0 ls14e ws14b\">exce<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49e h35 y293a ff4 fs19 fc5 sc0 lse4 wsdd\">Exceptional<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24e h38 y293a ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49f h35 y293a ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x4a0 h35 y293b ff4 fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms<span class=\"_ _2d6\"> </span></td><td class=\"c x4a2 y293c w24c h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms</div><div class=\"t m0 x4a1 h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x250 h38 y293b ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a3 h35 y293b ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a4 h35 y293d ff4 fs19 fc5 sc0 ls108 ws101\">No<span class=\"_ _0\"></span>te<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a5 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a6 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a7 h38 y293d ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a8 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y293e ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y293f w24d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4a9 y293f w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4aa y293f w24f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ab y293f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ac y2940 w250 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ad y293f w251 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2941 w252 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ae y2941 w253 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">4, 10<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4af y2941 w254 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">10.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b0 y2941 w255 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b1 y2942 w256 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b2 y2941 w257 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">9<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2943 w258 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b3 y2943 w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b4 y2943 w1da h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b5 y2943 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b6 y2944 w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x33a y2943 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2945 w25a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Rent<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e and o<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4b7 y2945 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b8 y2945 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b9 y2946 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ba y2945 w1e0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2947 w25b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Emp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cost<span class=\"_ _0\"></span>s (in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bb y2947 w25c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bc y2947 w25d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">6<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bd y2947 w25e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4be y2948 w25f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">70.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bf y2947 w260 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">65.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2949 w261 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ma<span class=\"_ _0\"></span>rketi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>osts \u2013 (exclu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>ment c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c0 y2949 w144 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>5.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c1 y2949 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c2 y294a w262 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">45.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c3 y2949 w263 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y294b w264 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Data a<span class=\"_ _0\"></span>nd te<span class=\"_ _0\"></span>chn<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>gy<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c4 y294b w222 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c5 y294b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c6 y294c w7f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c7 y294b w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">6.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2854 w266 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Exp<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t lo<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c8 y2854 w267 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">16, 27<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c9 y2854 w117 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">8<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ca y2854 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cb y294d w268 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cc y2854 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2856 w269 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other expenses<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4cd y2856 w26a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ce y2856 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cf y294e w239 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8a ws86\">14.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d0 y2856 w26b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w26c ha4\"><div class=\"t m0 x1ba ha y27e0 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal opera<span class=\"_ _1\"></span>ting ex<span class=\"_ _1\"></span>penses from<span class=\"_ _1\"></span> continuing<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls13 ws12\">operations<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4d1 y294f w26d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">156<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d2 y294f w11b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d3 y2950 w26e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">159.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d4 y294f w72 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">140.0<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span>Se<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>te 4 fo<span class=\"_ _0\"></span>r det<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>s on exc<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l ite<span class=\"_ _0\"></span>ms<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-463": {
   "value": "<table class=\"s w24b ha3\" id=\"_2246df11-0908-414e-b153-61ce64cccad8\"><tr><td></td><td></td><td class=\"t m0 x49c h35 y2939 ff4 fs19 fc5 sc0 lscf wsc6\">Bef<span class=\"_ _1\"></span>ore<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x49d h35 y293a ff4 fs19 fc5 sc0 ls14e ws14b\">exce<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49e h35 y293a ff4 fs19 fc5 sc0 lse4 wsdd\">Exceptional<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24e h38 y293a ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49f h35 y293a ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x4a0 h35 y293b ff4 fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms<span class=\"_ _2d6\"> </span></td><td class=\"c x4a2 y293c w24c h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 ls108 ws101\">ite<span class=\"_ _0\"></span>ms</div><div class=\"t m0 x4a1 h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x250 h38 y293b ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a3 h35 y293b ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a4 h35 y293d ff4 fs19 fc5 sc0 ls108 ws101\">No<span class=\"_ _0\"></span>te<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a5 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a6 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a7 h38 y293d ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a8 h35 y293d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y293e ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y293f w24d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Deprecia<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4a9 y293f w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4aa y293f w24f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ab y293f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ac y2940 w250 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ad y293f w251 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2941 w252 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ae y2941 w253 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">4, 10<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4af y2941 w254 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">10.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b0 y2941 w255 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b1 y2942 w256 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b2 y2941 w257 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">9<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2943 w258 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b3 y2943 w24e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b4 y2943 w1da h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b5 y2943 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b6 y2944 w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x33a y2943 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2945 w25a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Rent<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e and o<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4b7 y2945 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b8 y2945 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4b9 y2946 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ba y2945 w1e0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2947 w25b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Emp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cost<span class=\"_ _0\"></span>s (in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g cont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bb y2947 w25c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bc y2947 w25d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">6<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bd y2947 w25e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4be y2948 w25f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">70.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bf y2947 w260 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">65.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2949 w261 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ma<span class=\"_ _0\"></span>rketi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>osts \u2013 (exclu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>ment c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s)<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c0 y2949 w144 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>5.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c1 y2949 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c2 y294a w262 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">45.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c3 y2949 w263 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y294b w264 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Data a<span class=\"_ _0\"></span>nd te<span class=\"_ _0\"></span>chn<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>gy<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4c4 y294b w222 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c5 y294b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c6 y294c w7f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c7 y294b w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">6.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2854 w266 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Exp<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t lo<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c8 y2854 w267 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">16, 27<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4c9 y2854 w117 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">8<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ca y2854 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cb y294d w268 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cc y2854 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2856 w269 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other expenses<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4cd y2856 w26a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ce y2856 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4cf y294e w239 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8a ws86\">14.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d0 y2856 w26b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w26c ha4\"><div class=\"t m0 x1ba ha y27e0 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal opera<span class=\"_ _1\"></span>ting ex<span class=\"_ _1\"></span>penses from<span class=\"_ _1\"></span> continuing<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls13 ws12\">operations<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x4d1 y294f w26d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">156<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d2 y294f w11b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d3 y2950 w26e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">159.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d4 y294f w72 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">140.0<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span>Se<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>te 4 fo<span class=\"_ _0\"></span>r det<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>s on exc<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l ite<span class=\"_ _0\"></span>ms<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-418": {
   "value": "Audit<span class=\"_ _1\"></span>ors\u2019 remunera<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span><table class=\"s w26f ha5\" id=\"_8bac6f05-4cbf-4c18-8b2d-e00f2eddee0a\"><tr><td></td><td class=\"t m0 x24e h38 y2951 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2951 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2952 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2952 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2953 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2953 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2954 ff6 fs6 fc5 sc0 lsd6 wscd\">Aud<span class=\"_ _0\"></span>it fe<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 hd y2955 ff4 fs6 fc5 sc0 ls15 ws14\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 hd y2956 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013  <span class=\"_ _a\"></span>Fee<span class=\"_ _0\"></span>s payab<span class=\"_ _0\"></span>le to th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _0\"></span>\u2019s a<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>tor<span class=\"_ _0\"></span>s for th<span class=\"_ _0\"></span>e au<span class=\"_ _0\"></span>dit of t<span class=\"_ _0\"></span>he Pa<span class=\"_ _0\"></span>rent C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny an<span class=\"_ _0\"></span>d con<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated </td><td></td><td></td></tr><tr><td class=\"c n x4d5 y27de w270 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>tatem<span class=\"_ _0\"></span>ents<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d6 y27df w168 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d7 y27de wa7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2957 w271 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">\u2013  <span class=\"_ _a\"></span>Fee<span class=\"_ _0\"></span>s payab<span class=\"_ _0\"></span>le to th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _0\"></span>\u2019s a<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>tor<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>ts as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates for th<span class=\"_ _0\"></span>e statu<span class=\"_ _0\"></span>tor<span class=\"_ _0\"></span>y a<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>t of th<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x4d8 hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>tatem<span class=\"_ _0\"></span>ents of s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>iar<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>s of the C<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d9 y2958 w161 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4da y2959 w272 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y295a w273 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal a<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>it fe<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4db y295a w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4dc y295b w274 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y295c ff6 fs6 fc5 sc0 ls17 ws16\">Non-audit service fees<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27e7 w275 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Aud<span class=\"_ _0\"></span>it-re<span class=\"_ _0\"></span>lated a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ura<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4dd y27e8 w6c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4de y27e7 w24f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2907 w276 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">\u2013 Other assurance<span class=\"_ _1\"></span> ser<span class=\"_ _0\"></span>vices<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4df y2908 wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e0 y2907 w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w277 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">T<span class=\"_ _5\"></span>otal non-audit service f<span class=\"_ _1\"></span>ees<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e1 y27ec w168 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e2 y27eb wfd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.4</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-386": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls133 ws12b gs5e2\">7.<span class=\"_ _2\"></span> E<span class=\"_ _2\"></span>m<span class=\"_ _2d\"></span>p<span class=\"_ _2d\"></span>l<span class=\"_ _2\"></span>o<span class=\"_ _2\"></span>y<span class=\"_ _2\"></span>e<span class=\"_ _2d\"></span>e<span class=\"_ _2\"></span>s<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5e3\">The aver<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e mont<span class=\"_ _0\"></span>hly n<span class=\"_ _0\"></span>umb<span class=\"_ _0\"></span>er of e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyee<span class=\"_ _0\"></span>s (inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tors) dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the yea<span class=\"_ _0\"></span>r was: </div><div class=\"gs5e4\"><table class=\"s w278 ha6\" id=\"_adb8a9c6-b9e3-4e9d-a6d3-627369d64ebd\"><tr><td></td><td class=\"t m0 x1bd h38 y295d ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y295d ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x4e3 h38 y295e ff2 fs19 fc3 sc0 lsd9 wsd0\">Number<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4e4 h35 y295e ff4 fs19 fc5 sc0 lsd9 wsd0\">Number<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y295f ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2960 w279 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls175 ws176\">Te<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>m<span class=\"_ _0\"></span> L<span class=\"_ _2\"></span>o<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>n<span class=\"_ _2\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e5 y2961 w27a h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd2 wsc9\">628<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e6 y2960 w27b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">666<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2962 w27c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">Fle<span class=\"_ _1\"></span>xiPay<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e7 y2963 w27d h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">88<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e8 y2962 wa1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">81<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2916 w27e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e9 y2964 w27f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ea y2916 w4a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2965 w280 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal con<span class=\"_ _1\"></span>tinuing operation<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4eb y2965 w281 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">721<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ec y2966 w282 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls53 ws6d\">75<span class=\"_ _0\"></span>6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2967 w283 h91\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls13 ws12\">Discontinued<span class=\"_ _1\"></span> operations</div><div class=\"t m0 x4ed h3c y27b6 ff6 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2968 w284 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls103 wsfc\">US<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ee y2969 w285 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls9 ws8\">106<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ef y2968 w286 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd6 wscd\">20<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282f w287 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal dis<span class=\"_ _1\"></span>continued operat<span class=\"_ _1\"></span>ions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4f0 y282f w285 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls9 ws8\">106<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4f1 y2830 w286 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd6 wscd\">20<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w288 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lse2 wsdb\">To<span class=\"_ _2\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4f2 y27ec w289 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd3 wsca\">827<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4f3 y27eb wad h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">959<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5e5\">In a<span class=\"_ _0\"></span>ddit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n to the em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyees ab<span class=\"_ _0\"></span>ove, the avera<span class=\"_ _0\"></span>ge m<span class=\"_ _0\"></span>onth<span class=\"_ _0\"></span>ly nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of co<span class=\"_ _0\"></span>ntra<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the yea<span class=\"_ _0\"></span>r was 80 (2023: 11<span class=\"_ _1\"></span>5), </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5e6\">of whi<span class=\"_ _0\"></span>ch 13 (202<span class=\"_ _1\"></span>3: 26) rel<span class=\"_ _0\"></span>ated to the US</div><div class=\"t m0 h34 ff4 fs10 fc5 sc0 ls2 ws2 gs5e7\">1<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5e8\">.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs5e9\">1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Aver<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e m<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>ly n<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>s ar<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ted ove<span class=\"_ _0\"></span>r 12 m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ths a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d for t<span class=\"_ _0\"></span>he 2<span class=\"_ _0\"></span>024 U<span class=\"_ _0\"></span>S di<span class=\"_ _0\"></span>sc<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns i<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es 6 m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>nth<span class=\"_ _0\"></span>s fo<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ow<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g th<span class=\"_ _0\"></span>e sa<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e of th<span class=\"_ _0\"></span>e U<span class=\"_ _0\"></span>S bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss </div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls12 ws11 gs5ea\">where<span class=\"_ _1\"></span> the employ<span class=\"_ _1\"></span>ee number<span class=\"_ _1\"></span> was nil.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs5eb\">Emplo<span class=\"_ _1\"></span>yment cost<span class=\"_ _1\"></span>s (including<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>irect<span class=\"_ _1\"></span>ors\u2019 emoluments<span class=\"_ _1\"></span>) during<span class=\"_ _1\"></span> the ye<span class=\"_ _1\"></span>ar were<span class=\"_ _1\"></span>: </div><div class=\"gs5ec\"><table class=\"s w28a ha7\" id=\"_d100b1cd-77a2-4144-b47c-1059aba8432d\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x1b4 h35 y296a ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x1c1 h38 y296b ff2 fs19 fc3 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2<span class=\"_ _0\"></span>024<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x1b8 h35 y296b ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x4f4 h38 y296c ff2 fs19 fc3 sc0 lsf1 wsea\">Before<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x2b0 h38 y296d ff2 fs19 fc3 sc0 lsd1 wsc8\">ex<span class=\"_ _1\"></span>ceptional<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4f5 h38 y296d ff2 fs19 fc3 sc0 lsd1 wsc8\">Exceptional<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x4f6 h38 y296e ff2 fs19 fc3 sc0 lsdc wsd3\">item<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"c x4f8 y2971 w28b ha8\"><div class=\"t m0 x1ba h38 y296f ff11 fs19 fc3 sc0 ls2 ws2\">ite<span class=\"_ _0\"></span>ms</div><div class=\"t m0 x4f7 h46 y2970 ff2 fs17 fc3 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x381 h38 y296e ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y296e ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y2972 ff4 fs6 fc5 sc0 ls15 ws14\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b3 h38 y2972 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4f9 h38 y2972 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2a8 h38 y2972 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2972 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2973 w28c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Wages<span class=\"_ _1\"></span> and salaries<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4fa y2974 wb5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">56.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4fb y2974 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4fc y2974 w28d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">5<span class=\"_ _0\"></span>6.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4fd y2973 w28e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">55.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2975 w28f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Social security costs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4fe y2976 w290 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd2 wsc9\">6.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ff y2976 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x500 y2976 w291 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd2 wsc9\">6.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x501 y2975 w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2825 w292 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Pension cos<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x502 y2826 w293 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x503 y2826 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x504 y2826 w189 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x505 y2825 w294 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290c w295 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Share-based pa<span class=\"_ _1\"></span>yments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x506 y290d w296 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2d\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x507 y290d w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x508 y290d w297 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x509 y290c w10c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y295b w298 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Except<span class=\"_ _1\"></span>io<span class=\"_ _0\"></span>nal cost<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x50a y295a w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x50b y295a w299 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">2<span class=\"_ _0\"></span>.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x50c y295a w29a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x50d y295b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x50e y27e6 w29b h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">72<span class=\"_ _0\"></span>.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x50f y27e6 w299 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">2<span class=\"_ _0\"></span>.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x510 y27e6 w29c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls13b ws135\">74<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x511 y27e5 w29d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">6<span class=\"_ _2\"></span>7.<span class=\"_ _2d\"></span>5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w29e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Co<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>actor c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x512 y27e8 w29f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">4.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x513 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x514 y27e8 w2a0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">4.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x515 y27e7 w222 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2907 w2a1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Less: c<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d devel<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent co<span class=\"_ _0\"></span>sts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x516 y2908 w132 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(9.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x517 y2908 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x518 y2908 w132 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(9.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x519 y2907 w21a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(9.2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w2a2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Emp<span class=\"_ _0\"></span>loy<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cost<span class=\"_ _0\"></span>s net of c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cos<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51a y27ec w2a3 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">6<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x20c y27ec w29a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51b y27ec w25f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">70.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51c y27eb w260 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">65.5<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs5ed\">1. <span class=\"_ _1f\"> </span>Se<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>te 4 fo<span class=\"_ _0\"></span>r det<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>s of exc<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>ms<span class=\"_ _0\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-387": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls75 ws4c gs5ef\">8. Income<span class=\"_ _1\"></span> tax char<span class=\"_ _1\"></span>ge/<span class=\"_ _1\"></span>(cr<span class=\"_ _1\"></span>edit)<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5f0\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is su<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>ct to al<span class=\"_ _0\"></span>l taxes ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le to a co<span class=\"_ _0\"></span>mme<span class=\"_ _0\"></span>rci<span class=\"_ _0\"></span>al co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any in i<span class=\"_ _0\"></span>ts co<span class=\"_ _0\"></span>untr<span class=\"_ _0\"></span>ies of o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. The U<span class=\"_ _0\"></span>K (los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s)<span class=\"_ _1\"></span>/<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5f1\">prof<span class=\"_ _0\"></span>its of t<span class=\"_ _0\"></span>he Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any are s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to U<span class=\"_ _0\"></span>K inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e tax at th<span class=\"_ _0\"></span>e sta<span class=\"_ _0\"></span>nda<span class=\"_ _0\"></span>rd co<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n tax rate of 25% (<span class=\"_ _1\"></span>23.5% is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5f2\">the t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>low for 2023 as a b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d rate for th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, as t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>cre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>tatutor<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on ta<span class=\"_ _0\"></span>x rate to 2<span class=\"_ _1\"></span>5% was </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5f3\">effe<span class=\"_ _0\"></span>ctive fro<span class=\"_ _0\"></span>m 1 A<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>il 2023)<span class=\"_ _1\"></span>. </div><div class=\"gs5f4\"><table class=\"s w12b ha9\" id=\"_d4e62dda-e0db-4626-ae38-76c70322bd4b\"><tr><td></td><td class=\"t m0 x24e h38 y2977 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2977 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2978 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2978 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2979 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2979 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y297a ff6 fs6 fc5 sc0 lsd2 wsc9\">Current tax<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y297b ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y297c ff6 fs6 fc5 sc0 ls176 ws177\">UK<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y297d w2a4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax o<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>s/(los<span class=\"_ _0\"></span>ses) for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51d y297e w2a5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51e y297d w24f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y297f w2a6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2980 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x520 y297f w2a7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(2.0)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x521 y2981 w161 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x522 y2982 w27a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1.7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2984 w2a8 haa\"><div class=\"t m0 x1ba hd y2983 ff6 fs6 fc5 sc0 ls7e ws7a\">Other<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x523 y2985 w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x524 y2984 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2986 w2a6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2987 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y2986 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x330 y2988 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x526 y2989 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y298a w2a9 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal curren<span class=\"_ _1\"></span>t tax<span class=\"_ _1\"></span> charge/<span class=\"_ _1\"></span>(credit<span class=\"_ _1\"></span>) from<span class=\"_ _1\"></span> continuing opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x527 y298a w2a5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x528 y298b w2aa h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y298c ff6 fs6 fc5 sc0 ls13 ws12\">Discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _217\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10f\"> </span><span class=\"ff4 fc5\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 hd y298d ff6 fs6 fc5 sc0 ls15 ws14\">US<span class=\"_ _218\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10f\"> </span><span class=\"ff4 fc5\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y298e w2a8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x529 y298f wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52a y298e w24f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2990 w2a6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2991 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52b y2990 w2ab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2992 w2ac h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal curren<span class=\"_ _1\"></span>t tax<span class=\"_ _1\"></span> charge from<span class=\"_ _1\"></span> discontinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52c y2992 w2ad h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52d y2993 w20e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2994 w2ae h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal cur<span class=\"_ _1\"></span>rent tax<span class=\"_ _1\"></span> charge/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>credit)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52e y2994 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52f y2995 w2af h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2996 ff6 fs6 fc5 sc0 lsd2 wsc9\">Deferred tax<span class=\"_ _21a\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10f\"> </span><span class=\"ff4 fc5\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y2997 ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y2998 ff6 fs6 fc5 sc0 ls176 ws177\">UK<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2999 w2b0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Defer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d tax o<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>s/(los<span class=\"_ _0\"></span>ses) for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x530 y299a w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x33f y2999 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y299b w2b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ior ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y299c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y299b w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x531 y299d w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x532 y299e w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y29a0 w2b2 hab\"><div class=\"t m0 x1ba ha y299f ff6 fs6 fc5 sc0 ls7e ws7a\">Other<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Defer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29a1 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y29a0 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29a2 w2b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ior ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29a3 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y29a2 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x531 y29a4 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x532 y29a5 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29a6 w2b3 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal de<span class=\"_ _1\"></span>ferred ta<span class=\"_ _1\"></span>x charge/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>credit) f<span class=\"_ _1\"></span>rom continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x330 y29a6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x526 y29a7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y29a8 ff6 fs6 fc5 sc0 ls13 ws12\">Discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y29a9 ff6 fs6 fc5 sc0 ls15 ws14\">US<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29aa w2b2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Defer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29ab w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x533 y29aa w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29ac w2b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ior ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29ad w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y29ac w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29ae w2b4 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal de<span class=\"_ _1\"></span>ferred ta<span class=\"_ _1\"></span>x charge fr<span class=\"_ _1\"></span>om discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x330 y29ae w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x534 y29af w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b0 w2b5 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal d<span class=\"_ _1\"></span>eferred<span class=\"_ _1\"></span> tax charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x535 y29b0 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x536 y29b1 w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w2b6 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal t<span class=\"_ _1\"></span>ax charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x537 y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x538 y27eb w2b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">5<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5f5\">The a<span class=\"_ _0\"></span>bove cur<span class=\"_ _0\"></span>rent t<span class=\"_ _0\"></span>ax ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e/(<span class=\"_ _1\"></span>cre<span class=\"_ _0\"></span>dit) re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>s the exp<span class=\"_ _0\"></span>ected t<span class=\"_ _0\"></span>ax on t<span class=\"_ _0\"></span>he Re<span class=\"_ _0\"></span>sea<span class=\"_ _0\"></span>rch a<span class=\"_ _0\"></span>nd D<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt Ex<span class=\"_ _0\"></span>pen<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ure </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5f6\">Cre<span class=\"_ _0\"></span>dit (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>RD<span class=\"_ _0\"></span>EC<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e for 2024 and US state taxes f<span class=\"_ _0\"></span>rom 1 J<span class=\"_ _0\"></span>anu<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y 2024 to the date of disp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>al of th<span class=\"_ _0\"></span>e US bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5f8\">In th<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r year<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e tax c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>ge re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>e tax l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y on th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t, in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng st<span class=\"_ _0\"></span>ate taxes, an<span class=\"_ _0\"></span>d the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5f9\">amo<span class=\"_ _0\"></span>unt of ta<span class=\"_ _0\"></span>x ded<span class=\"_ _0\"></span>ucted f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he R<span class=\"_ _0\"></span>DEC re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le for 2023. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5fa\">Bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s, the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mate of the d<span class=\"_ _0\"></span>eferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>set in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5fb\">ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng in t<span class=\"_ _0\"></span>he U<span class=\"_ _0\"></span>K was \u00a3ni<span class=\"_ _0\"></span>l at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 (31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023: \u00a3nil). </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5fc\">The U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024 is rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted as dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs5fd\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e/(<span class=\"_ _1\"></span>cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t) for the yea<span class=\"_ _0\"></span>r ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d to the p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t/(los<span class=\"_ _0\"></span>s) before tax s<span class=\"_ _0\"></span>hown p<span class=\"_ _0\"></span>er t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs5fe\">sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> as f<span class=\"_ _1\"></span>ollows.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs5ff\">Fact<span class=\"_ _1\"></span>ors affec<span class=\"_ _1\"></span>ting the<span class=\"_ _1\"></span> tax charge/<span class=\"_ _5\"></span>(credit<span class=\"_ _1\"></span>) f<span class=\"_ _1\"></span>or the y<span class=\"_ _1\"></span>ear<span class=\"_ _2d6\"> </span></div><div class=\"gs600\"><table class=\"s w12b hac\" id=\"_9b9f0dbd-4488-4760-b4c6-56c47ebb26bb\"><tr><td></td><td class=\"t m0 x539 h38 y29b2 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y29b2 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y29b3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y29b3 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y29b4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y29b4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y29b5 w2b8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(los<span class=\"_ _0\"></span>s) before ta<span class=\"_ _0\"></span>xatio<span class=\"_ _0\"></span>n for t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53b y29b6 w2b9 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">9.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53c y29b5 w2ba h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b7 w2bb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>axatio<span class=\"_ _0\"></span>n on p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(los<span class=\"_ _0\"></span>s) at 25.0% (202<span class=\"_ _1\"></span>3: 23.<span class=\"_ _0\"></span>5%)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53d y29b8 w2bc h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53e y29b7 w2bd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2d\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y29b9 ff4 fs6 fc5 sc0 ls52 ws50\">Ef<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>ts<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span>:<span class=\"_ _222\"> </span><span class=\"ff2 fc3 ls2 ws2\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29ba w2be h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Res<span class=\"_ _0\"></span>ea<span class=\"_ _0\"></span>rch a<span class=\"_ _0\"></span>nd deve<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53f y29bb w2bf h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x540 y29ba wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29bc w2c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Effec<span class=\"_ _0\"></span>t of forei<span class=\"_ _0\"></span>gn t<span class=\"_ _0\"></span>ax rates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x529 y29bd wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52a y29bc wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29be w2c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Non-ta<span class=\"_ _1\"></span>xable/<span class=\"_ _1\"></span>non-deductible e<span class=\"_ _1\"></span>xpenses<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x224 y29bf w6c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x541 y29be w196 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c0 w2c2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Unrecognised timing diff<span class=\"_ _1\"></span>erences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x542 y29c1 w2c3 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x543 y29c0 w69 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c2 w2c4 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Unrecognised tax<span class=\"_ _1\"></span> losses accumulated<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x544 y29c3 w2c5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x545 y29c2 w2c6 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">5<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c4 w2a6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29c5 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52b y29c4 w2c7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c6 w2c8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Def<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>red ta<span class=\"_ _1\"></span>x assets der<span class=\"_ _1\"></span>ecognise<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x330 y29c7 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x534 y29c6 w2c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">6.<span class=\"_ _0\"></span>6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c8 w2ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Impairment<span class=\"_ _1\"></span> charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x546 y29c9 w2cb h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(3.<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x547 y29c8 w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29ca w2b6 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal t<span class=\"_ _1\"></span>ax charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x537 y29ca w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x538 y29cb w2b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">5<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b0 w2cc h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal t<span class=\"_ _1\"></span>ax charge/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>credit<span class=\"_ _1\"></span>) from c<span class=\"_ _1\"></span>ontinuing opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x527 y29b0 w2a5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x528 y29b1 w2aa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w2cd h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal ta<span class=\"_ _1\"></span>x charge fr<span class=\"_ _1\"></span>om discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x548 y27ec wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x549 y27eb w2ce h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">6.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs601\">The<span class=\"_ _0\"></span>re was no t<span class=\"_ _0\"></span>ax ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e/(<span class=\"_ _1\"></span>cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t) in th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent o<span class=\"_ _0\"></span>r pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r year re<span class=\"_ _0\"></span>lated to exchan<span class=\"_ _0\"></span>ge di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>feren<span class=\"_ _0\"></span>ces o<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>nsl<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of forei<span class=\"_ _0\"></span>gn </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs602\">op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s in oth<span class=\"_ _0\"></span>er c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>ive in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me or t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>cycli<span class=\"_ _0\"></span>ng of th<span class=\"_ _0\"></span>ese i<span class=\"_ _0\"></span>nto prof<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs603\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is taxe<span class=\"_ _0\"></span>d at dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nt rates de<span class=\"_ _0\"></span>pen<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng on t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>unt<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y in wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>ts ar<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>e. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs604\">The key ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e tax r<span class=\"_ _0\"></span>ates for 202<span class=\"_ _1\"></span>4 i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de th<span class=\"_ _0\"></span>e UK 25%, and t<span class=\"_ _0\"></span>he US 21%. Th<span class=\"_ _0\"></span>e ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve tax rate for th<span class=\"_ _0\"></span>e year was </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs605\">4.87% (2023: -<span class=\"_ _1\"></span>15.4%<span class=\"_ _1\"></span>). </div><div class=\"gs606\"><table class=\"s w2cf had\" id=\"_925acdcb-46c4-46a2-90ea-7bbb100fac09\"><tr><td></td><td class=\"t m0 x539 h38 y29cc ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y29cc ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y29cd ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y29cd ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y29ce ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y29ce ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e5 wa4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Pro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty, plant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54a y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f6 y27e5 w2d0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1<span class=\"_ _0\"></span>.5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w2d1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ward l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses (U<span class=\"_ _0\"></span>K<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54c y27e7 w2d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w2d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ward l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses (U<span class=\"_ _0\"></span>S)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w2d4 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">Recognised d<span class=\"_ _1\"></span>eferred ta<span class=\"_ _1\"></span>x<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x535 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54e y27eb w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsba wsb7 gs607\">Unreco<span class=\"_ _0\"></span>gnised deferred tax<span class=\"_ _2d6\"> </span></div><div class=\"gs608\"><table class=\"s w2d5 hae\" id=\"_b27a15d4-c9b9-4dc9-90ba-412b32b79791\"><tr><td></td><td class=\"t m0 x539 h38 y29cf ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y29cf ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y29d0 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y29d0 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y29d1 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y29d1 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y29d2 wa4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Pro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty, plant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54f y29d3 w2d6 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">6.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x550 y29d2 w2d7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">22.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2903 w2d8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ward l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x551 y2904 w2d9 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">125<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x552 y2903 w2da h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">183.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29d4 w2db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Def<span class=\"_ _1\"></span>erred st<span class=\"_ _1\"></span>ock op<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x553 y29d5 w2dc h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">22.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x554 y29d4 w2dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd6 wscd\">20.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w2de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">US R&amp;<span class=\"_ _0\"></span>D c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x555 y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x556 y27e5 wdf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w2df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">US fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue a<span class=\"_ _0\"></span>dj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x557 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x558 y27e7 w2e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">40.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w27e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x559 y282f w1f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x295 y2830 we7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y29d8 w2e1 haf\"><div class=\"t m0 x1ba ha y29d6 ff6 fs6 fc5 sc0 ls15 ws14\">Unrecognised de<span class=\"_ _1\"></span>ferred tax</div><div class=\"t m0 x55a h3c y29d7 ff6 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x55b y29da w2e2 haf\"><div class=\"t m0 x1ba hd y29d9 ff2 fs6 fc3 sc0 lsd5 wscc\">154.<span class=\"_ _1\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x55c y27eb w2e3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">270.0<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs609\">1.  <span class=\"_ _2\"></span>Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ted i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e ta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e a<span class=\"_ _0\"></span>bove a<span class=\"_ _0\"></span>re g<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>ss t<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d a<span class=\"_ _0\"></span>re n<span class=\"_ _0\"></span>ot ta<span class=\"_ _0\"></span>x ef<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span></div>Bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s, th<span class=\"_ _0\"></span>ere are tota<span class=\"_ _0\"></span>l un<span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x ass<span class=\"_ _0\"></span>ets of \u00a338.7 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a362.<span class=\"_ _0\"></span>2 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion). In a<span class=\"_ _0\"></span>ddit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n, the<span class=\"_ _0\"></span>re is a<span class=\"_ _0\"></span>n unre<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d defer<span class=\"_ _0\"></span>red tax a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to R&amp;<span class=\"_ _0\"></span>D expen<span class=\"_ _0\"></span>ditu<span class=\"_ _0\"></span>re cre<span class=\"_ _0\"></span>dit s<span class=\"_ _0\"></span>et-of<span class=\"_ _0\"></span>f amo<span class=\"_ _0\"></span>unts of \u00a32.0 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span>(202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>1.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has u<span class=\"_ _0\"></span>nre<span class=\"_ _0\"></span>lieve<span class=\"_ _0\"></span>d tax l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es of \u00a3125.0 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>183.4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) that are avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le fo<span class=\"_ _0\"></span>r offs<span class=\"_ _0\"></span>et ag<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>st futu<span class=\"_ _0\"></span>re taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>ts. Fact<span class=\"_ _1\"></span>ors affec<span class=\"_ _1\"></span>ting the<span class=\"_ _1\"></span> tax charge<span class=\"_ _1\"></span> in future<span class=\"_ _1\"></span> years<span class=\"_ _2d6\"> </span>Factors t<span class=\"_ _0\"></span>hat may af<span class=\"_ _0\"></span>fect th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s futu<span class=\"_ _0\"></span>re tax c<span class=\"_ _0\"></span>harg<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude t<span class=\"_ _0\"></span>he g<span class=\"_ _0\"></span>eo<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>ph<span class=\"_ _0\"></span>ic l<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs (in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ges i<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>nsfer p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ng ar<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts)<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he tax r<span class=\"_ _0\"></span>ates in th<span class=\"_ _0\"></span>ose l<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns, c<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s in tax l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e use of b<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>ght-for<span class=\"_ _0\"></span>ward ta<span class=\"_ _0\"></span>x los<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s total tax c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>ge i<span class=\"_ _0\"></span>nvolves a de<span class=\"_ _0\"></span>gre<span class=\"_ _0\"></span>e of esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd ju<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt with re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect to th<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on of a<span class=\"_ _0\"></span>ny deferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>set.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-448": {
   "value": "8. Income<span class=\"_ _1\"></span> tax char<span class=\"_ _1\"></span>ge/<span class=\"_ _1\"></span>(cr<span class=\"_ _1\"></span>edit)<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is su<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>ct to al<span class=\"_ _0\"></span>l taxes ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le to a co<span class=\"_ _0\"></span>mme<span class=\"_ _0\"></span>rci<span class=\"_ _0\"></span>al co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any in i<span class=\"_ _0\"></span>ts co<span class=\"_ _0\"></span>untr<span class=\"_ _0\"></span>ies of o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. The U<span class=\"_ _0\"></span>K (los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s)<span class=\"_ _1\"></span>/<span class=\"_ _2d6\"> </span>prof<span class=\"_ _0\"></span>its of t<span class=\"_ _0\"></span>he Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any are s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to U<span class=\"_ _0\"></span>K inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e tax at th<span class=\"_ _0\"></span>e sta<span class=\"_ _0\"></span>nda<span class=\"_ _0\"></span>rd co<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n tax rate of 25% (<span class=\"_ _1\"></span>23.5% is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed to the t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>low for 2023 as a b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d rate for th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, as t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>cre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>tatutor<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on ta<span class=\"_ _0\"></span>x rate to 2<span class=\"_ _1\"></span>5% was effe<span class=\"_ _0\"></span>ctive fro<span class=\"_ _0\"></span>m 1 A<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>il 2023)<span class=\"_ _1\"></span>. <table class=\"s w12b ha9\" id=\"_d4e62dda-e0db-4626-ae38-76c70322bd4b\"><tr><td></td><td class=\"t m0 x24e h38 y2977 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2977 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2978 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2978 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2979 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2979 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y297a ff6 fs6 fc5 sc0 lsd2 wsc9\">Current tax<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y297b ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y297c ff6 fs6 fc5 sc0 ls176 ws177\">UK<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y297d w2a4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax o<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>s/(los<span class=\"_ _0\"></span>ses) for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51d y297e w2a5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51e y297d w24f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y297f w2a6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2980 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x520 y297f w2a7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(2.0)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x521 y2981 w161 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x522 y2982 w27a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1.7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2984 w2a8 haa\"><div class=\"t m0 x1ba hd y2983 ff6 fs6 fc5 sc0 ls7e ws7a\">Other<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x523 y2985 w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x524 y2984 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2986 w2a6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2987 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y2986 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x330 y2988 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x526 y2989 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y298a w2a9 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal curren<span class=\"_ _1\"></span>t tax<span class=\"_ _1\"></span> charge/<span class=\"_ _1\"></span>(credit<span class=\"_ _1\"></span>) from<span class=\"_ _1\"></span> continuing opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x527 y298a w2a5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x528 y298b w2aa h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y298c ff6 fs6 fc5 sc0 ls13 ws12\">Discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _217\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10f\"> </span><span class=\"ff4 fc5\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 hd y298d ff6 fs6 fc5 sc0 ls15 ws14\">US<span class=\"_ _218\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10f\"> </span><span class=\"ff4 fc5\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y298e w2a8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x529 y298f wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52a y298e w24f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2990 w2a6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2991 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52b y2990 w2ab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2992 w2ac h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal curren<span class=\"_ _1\"></span>t tax<span class=\"_ _1\"></span> charge from<span class=\"_ _1\"></span> discontinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52c y2992 w2ad h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52d y2993 w20e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2994 w2ae h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal cur<span class=\"_ _1\"></span>rent tax<span class=\"_ _1\"></span> charge/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>credit)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52e y2994 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52f y2995 w2af h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2996 ff6 fs6 fc5 sc0 lsd2 wsc9\">Deferred tax<span class=\"_ _21a\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10f\"> </span><span class=\"ff4 fc5\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y2997 ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y2998 ff6 fs6 fc5 sc0 ls176 ws177\">UK<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2999 w2b0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Defer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d tax o<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>s/(los<span class=\"_ _0\"></span>ses) for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x530 y299a w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x33f y2999 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y299b w2b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ior ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y299c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y299b w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x531 y299d w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x532 y299e w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y29a0 w2b2 hab\"><div class=\"t m0 x1ba ha y299f ff6 fs6 fc5 sc0 ls7e ws7a\">Other<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Defer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29a1 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y29a0 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29a2 w2b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ior ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29a3 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y29a2 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x531 y29a4 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x532 y29a5 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29a6 w2b3 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal de<span class=\"_ _1\"></span>ferred ta<span class=\"_ _1\"></span>x charge/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>credit) f<span class=\"_ _1\"></span>rom continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x330 y29a6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x526 y29a7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y29a8 ff6 fs6 fc5 sc0 ls13 ws12\">Discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y29a9 ff6 fs6 fc5 sc0 ls15 ws14\">US<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29aa w2b2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Defer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29ab w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x533 y29aa w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29ac w2b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ior ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29ad w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y29ac w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29ae w2b4 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal de<span class=\"_ _1\"></span>ferred ta<span class=\"_ _1\"></span>x charge fr<span class=\"_ _1\"></span>om discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x330 y29ae w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x534 y29af w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b0 w2b5 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal d<span class=\"_ _1\"></span>eferred<span class=\"_ _1\"></span> tax charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x535 y29b0 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x536 y29b1 w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w2b6 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal t<span class=\"_ _1\"></span>ax charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x537 y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x538 y27eb w2b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">5<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table>The a<span class=\"_ _0\"></span>bove cur<span class=\"_ _0\"></span>rent t<span class=\"_ _0\"></span>ax ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e/(<span class=\"_ _1\"></span>cre<span class=\"_ _0\"></span>dit) re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>s the exp<span class=\"_ _0\"></span>ected t<span class=\"_ _0\"></span>ax on t<span class=\"_ _0\"></span>he Re<span class=\"_ _0\"></span>sea<span class=\"_ _0\"></span>rch a<span class=\"_ _0\"></span>nd D<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt Ex<span class=\"_ _0\"></span>pen<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ure Cre<span class=\"_ _0\"></span>dit (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>RD<span class=\"_ _0\"></span>EC<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e for 2024 and US state taxes f<span class=\"_ _0\"></span>rom 1 J<span class=\"_ _0\"></span>anu<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y 2024 to the date of disp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>al of th<span class=\"_ _0\"></span>e US bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>In th<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r year<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e tax c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>ge re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>e tax l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y on th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t, in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng st<span class=\"_ _0\"></span>ate taxes, an<span class=\"_ _0\"></span>d the amo<span class=\"_ _0\"></span>unt of ta<span class=\"_ _0\"></span>x ded<span class=\"_ _0\"></span>ucted f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he R<span class=\"_ _0\"></span>DEC re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le for 2023. Bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s, the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mate of the d<span class=\"_ _0\"></span>eferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>set in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng in t<span class=\"_ _0\"></span>he U<span class=\"_ _0\"></span>K was \u00a3ni<span class=\"_ _0\"></span>l at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 (31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023: \u00a3nil). The U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024 is rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted as dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e/(<span class=\"_ _1\"></span>cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t) for the yea<span class=\"_ _0\"></span>r ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d to the p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t/(los<span class=\"_ _0\"></span>s) before tax s<span class=\"_ _0\"></span>hown p<span class=\"_ _0\"></span>er t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> as f<span class=\"_ _1\"></span>ollows.<span class=\"_ _2d6\"> </span>Fact<span class=\"_ _1\"></span>ors affec<span class=\"_ _1\"></span>ting the<span class=\"_ _1\"></span> tax charge/<span class=\"_ _5\"></span>(credit<span class=\"_ _1\"></span>) f<span class=\"_ _1\"></span>or the y<span class=\"_ _1\"></span>ear<span class=\"_ _2d6\"> </span><table class=\"s w12b hac\" id=\"_9b9f0dbd-4488-4760-b4c6-56c47ebb26bb\"><tr><td></td><td class=\"t m0 x539 h38 y29b2 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y29b2 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y29b3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y29b3 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y29b4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y29b4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y29b5 w2b8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(los<span class=\"_ _0\"></span>s) before ta<span class=\"_ _0\"></span>xatio<span class=\"_ _0\"></span>n for t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53b y29b6 w2b9 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">9.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53c y29b5 w2ba h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b7 w2bb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>axatio<span class=\"_ _0\"></span>n on p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(los<span class=\"_ _0\"></span>s) at 25.0% (202<span class=\"_ _1\"></span>3: 23.<span class=\"_ _0\"></span>5%)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53d y29b8 w2bc h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53e y29b7 w2bd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2d\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y29b9 ff4 fs6 fc5 sc0 ls52 ws50\">Ef<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>ts<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span>:<span class=\"_ _222\"> </span><span class=\"ff2 fc3 ls2 ws2\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29ba w2be h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Res<span class=\"_ _0\"></span>ea<span class=\"_ _0\"></span>rch a<span class=\"_ _0\"></span>nd deve<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53f y29bb w2bf h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x540 y29ba wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29bc w2c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Effec<span class=\"_ _0\"></span>t of forei<span class=\"_ _0\"></span>gn t<span class=\"_ _0\"></span>ax rates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x529 y29bd wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52a y29bc wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29be w2c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Non-ta<span class=\"_ _1\"></span>xable/<span class=\"_ _1\"></span>non-deductible e<span class=\"_ _1\"></span>xpenses<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x224 y29bf w6c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x541 y29be w196 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c0 w2c2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Unrecognised timing diff<span class=\"_ _1\"></span>erences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x542 y29c1 w2c3 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x543 y29c0 w69 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c2 w2c4 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Unrecognised tax<span class=\"_ _1\"></span> losses accumulated<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x544 y29c3 w2c5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x545 y29c2 w2c6 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">5<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c4 w2a6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29c5 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52b y29c4 w2c7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c6 w2c8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Def<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>red ta<span class=\"_ _1\"></span>x assets der<span class=\"_ _1\"></span>ecognise<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x330 y29c7 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x534 y29c6 w2c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">6.<span class=\"_ _0\"></span>6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c8 w2ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Impairment<span class=\"_ _1\"></span> charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x546 y29c9 w2cb h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(3.<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x547 y29c8 w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29ca w2b6 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal t<span class=\"_ _1\"></span>ax charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x537 y29ca w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x538 y29cb w2b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">5<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b0 w2cc h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal t<span class=\"_ _1\"></span>ax charge/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>credit<span class=\"_ _1\"></span>) from c<span class=\"_ _1\"></span>ontinuing opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x527 y29b0 w2a5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x528 y29b1 w2aa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w2cd h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal ta<span class=\"_ _1\"></span>x charge fr<span class=\"_ _1\"></span>om discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x548 y27ec wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x549 y27eb w2ce h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">6.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>The<span class=\"_ _0\"></span>re was no t<span class=\"_ _0\"></span>ax ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e/(<span class=\"_ _1\"></span>cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t) in th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent o<span class=\"_ _0\"></span>r pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r year re<span class=\"_ _0\"></span>lated to exchan<span class=\"_ _0\"></span>ge di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>feren<span class=\"_ _0\"></span>ces o<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>nsl<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of forei<span class=\"_ _0\"></span>gn op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s in oth<span class=\"_ _0\"></span>er c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>ive in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me or t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>cycli<span class=\"_ _0\"></span>ng of th<span class=\"_ _0\"></span>ese i<span class=\"_ _0\"></span>nto prof<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is taxe<span class=\"_ _0\"></span>d at dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nt rates de<span class=\"_ _0\"></span>pen<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng on t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>unt<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y in wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>ts ar<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>e. The key ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e tax r<span class=\"_ _0\"></span>ates for 202<span class=\"_ _1\"></span>4 i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de th<span class=\"_ _0\"></span>e UK 25%, and t<span class=\"_ _0\"></span>he US 21%. Th<span class=\"_ _0\"></span>e ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve tax rate for th<span class=\"_ _0\"></span>e year was 4.87% (2023: -<span class=\"_ _1\"></span>15.4%<span class=\"_ _1\"></span>). <table class=\"s w2cf had\" id=\"_925acdcb-46c4-46a2-90ea-7bbb100fac09\"><tr><td></td><td class=\"t m0 x539 h38 y29cc ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y29cc ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y29cd ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y29cd ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y29ce ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y29ce ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e5 wa4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Pro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty, plant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54a y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f6 y27e5 w2d0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1<span class=\"_ _0\"></span>.5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w2d1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ward l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses (U<span class=\"_ _0\"></span>K<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54c y27e7 w2d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w2d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ward l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses (U<span class=\"_ _0\"></span>S)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w2d4 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">Recognised d<span class=\"_ _1\"></span>eferred ta<span class=\"_ _1\"></span>x<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x535 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54e y27eb w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr></table>Unreco<span class=\"_ _0\"></span>gnised deferred tax<span class=\"_ _2d6\"> </span><table class=\"s w2d5 hae\" id=\"_b27a15d4-c9b9-4dc9-90ba-412b32b79791\"><tr><td></td><td class=\"t m0 x539 h38 y29cf ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y29cf ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y29d0 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y29d0 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y29d1 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y29d1 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y29d2 wa4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Pro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty, plant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54f y29d3 w2d6 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">6.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x550 y29d2 w2d7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">22.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2903 w2d8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ward l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x551 y2904 w2d9 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">125<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x552 y2903 w2da h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">183.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29d4 w2db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Def<span class=\"_ _1\"></span>erred st<span class=\"_ _1\"></span>ock op<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x553 y29d5 w2dc h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">22.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x554 y29d4 w2dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd6 wscd\">20.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w2de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">US R&amp;<span class=\"_ _0\"></span>D c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x555 y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x556 y27e5 wdf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w2df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">US fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue a<span class=\"_ _0\"></span>dj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x557 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x558 y27e7 w2e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">40.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w27e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x559 y282f w1f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x295 y2830 we7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y29d8 w2e1 haf\"><div class=\"t m0 x1ba ha y29d6 ff6 fs6 fc5 sc0 ls15 ws14\">Unrecognised de<span class=\"_ _1\"></span>ferred tax</div><div class=\"t m0 x55a h3c y29d7 ff6 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x55b y29da w2e2 haf\"><div class=\"t m0 x1ba hd y29d9 ff2 fs6 fc3 sc0 lsd5 wscc\">154.<span class=\"_ _1\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x55c y27eb w2e3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">270.0<span class=\"_ _2d6\"> </span></div></td></tr></table>1.  <span class=\"_ _2\"></span>Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ted i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e ta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e a<span class=\"_ _0\"></span>bove a<span class=\"_ _0\"></span>re g<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>ss t<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d a<span class=\"_ _0\"></span>re n<span class=\"_ _0\"></span>ot ta<span class=\"_ _0\"></span>x ef<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>Bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s, th<span class=\"_ _0\"></span>ere are tota<span class=\"_ _0\"></span>l un<span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x ass<span class=\"_ _0\"></span>ets of \u00a338.7 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a362.<span class=\"_ _0\"></span>2 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion). In a<span class=\"_ _0\"></span>ddit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n, the<span class=\"_ _0\"></span>re is a<span class=\"_ _0\"></span>n unre<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d defer<span class=\"_ _0\"></span>red tax a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to R&amp;<span class=\"_ _0\"></span>D expen<span class=\"_ _0\"></span>ditu<span class=\"_ _0\"></span>re cre<span class=\"_ _0\"></span>dit s<span class=\"_ _0\"></span>et-of<span class=\"_ _0\"></span>f amo<span class=\"_ _0\"></span>unts of \u00a32.0 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span>(202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>1.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has u<span class=\"_ _0\"></span>nre<span class=\"_ _0\"></span>lieve<span class=\"_ _0\"></span>d tax l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es of \u00a3125.0 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>183.4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) that are avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le fo<span class=\"_ _0\"></span>r offs<span class=\"_ _0\"></span>et ag<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>st futu<span class=\"_ _0\"></span>re taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>ts. Fact<span class=\"_ _1\"></span>ors affec<span class=\"_ _1\"></span>ting the<span class=\"_ _1\"></span> tax charge<span class=\"_ _1\"></span> in future<span class=\"_ _1\"></span> years<span class=\"_ _2d6\"> </span>Factors t<span class=\"_ _0\"></span>hat may af<span class=\"_ _0\"></span>fect th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s futu<span class=\"_ _0\"></span>re tax c<span class=\"_ _0\"></span>harg<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude t<span class=\"_ _0\"></span>he g<span class=\"_ _0\"></span>eo<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>ph<span class=\"_ _0\"></span>ic l<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs (in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ges i<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>nsfer p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ng ar<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts)<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he tax r<span class=\"_ _0\"></span>ates in th<span class=\"_ _0\"></span>ose l<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns, c<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s in tax l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e use of b<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>ght-for<span class=\"_ _0\"></span>ward ta<span class=\"_ _0\"></span>x los<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s total tax c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>ge i<span class=\"_ _0\"></span>nvolves a de<span class=\"_ _0\"></span>gre<span class=\"_ _0\"></span>e of esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd ju<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt with re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect to th<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on of a<span class=\"_ _0\"></span>ny deferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>set.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-420": {
   "value": "8. Income<span class=\"_ _1\"></span> tax char<span class=\"_ _1\"></span>ge/<span class=\"_ _1\"></span>(cr<span class=\"_ _1\"></span>edit)<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is su<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>ct to al<span class=\"_ _0\"></span>l taxes ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le to a co<span class=\"_ _0\"></span>mme<span class=\"_ _0\"></span>rci<span class=\"_ _0\"></span>al co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any in i<span class=\"_ _0\"></span>ts co<span class=\"_ _0\"></span>untr<span class=\"_ _0\"></span>ies of o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. The U<span class=\"_ _0\"></span>K (los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s)<span class=\"_ _1\"></span>/<span class=\"_ _2d6\"> </span>prof<span class=\"_ _0\"></span>its of t<span class=\"_ _0\"></span>he Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any are s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to U<span class=\"_ _0\"></span>K inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e tax at th<span class=\"_ _0\"></span>e sta<span class=\"_ _0\"></span>nda<span class=\"_ _0\"></span>rd co<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n tax rate of 25% (<span class=\"_ _1\"></span>23.5% is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed to the t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>low for 2023 as a b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d rate for th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, as t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>cre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>tatutor<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on ta<span class=\"_ _0\"></span>x rate to 2<span class=\"_ _1\"></span>5% was effe<span class=\"_ _0\"></span>ctive fro<span class=\"_ _0\"></span>m 1 A<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>il 2023)<span class=\"_ _1\"></span>. <table class=\"s w12b ha9\" id=\"_d4e62dda-e0db-4626-ae38-76c70322bd4b\"><tr><td></td><td class=\"t m0 x24e h38 y2977 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2977 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2978 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2978 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2979 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2979 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y297a ff6 fs6 fc5 sc0 lsd2 wsc9\">Current tax<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y297b ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y297c ff6 fs6 fc5 sc0 ls176 ws177\">UK<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y297d w2a4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax o<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>s/(los<span class=\"_ _0\"></span>ses) for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51d y297e w2a5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51e y297d w24f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y297f w2a6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2980 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x520 y297f w2a7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(2.0)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x521 y2981 w161 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x522 y2982 w27a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1.7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2984 w2a8 haa\"><div class=\"t m0 x1ba hd y2983 ff6 fs6 fc5 sc0 ls7e ws7a\">Other<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x523 y2985 w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x524 y2984 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2986 w2a6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2987 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y2986 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x330 y2988 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x526 y2989 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y298a w2a9 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal curren<span class=\"_ _1\"></span>t tax<span class=\"_ _1\"></span> charge/<span class=\"_ _1\"></span>(credit<span class=\"_ _1\"></span>) from<span class=\"_ _1\"></span> continuing opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x527 y298a w2a5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x528 y298b w2aa h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y298c ff6 fs6 fc5 sc0 ls13 ws12\">Discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _217\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10f\"> </span><span class=\"ff4 fc5\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 hd y298d ff6 fs6 fc5 sc0 ls15 ws14\">US<span class=\"_ _218\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10f\"> </span><span class=\"ff4 fc5\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y298e w2a8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x529 y298f wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52a y298e w24f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2990 w2a6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2991 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52b y2990 w2ab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2992 w2ac h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal curren<span class=\"_ _1\"></span>t tax<span class=\"_ _1\"></span> charge from<span class=\"_ _1\"></span> discontinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52c y2992 w2ad h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52d y2993 w20e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2994 w2ae h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal cur<span class=\"_ _1\"></span>rent tax<span class=\"_ _1\"></span> charge/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>credit)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52e y2994 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52f y2995 w2af h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2996 ff6 fs6 fc5 sc0 lsd2 wsc9\">Deferred tax<span class=\"_ _21a\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10f\"> </span><span class=\"ff4 fc5\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y2997 ff6 fs6 fc5 sc0 ls13 ws12\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y2998 ff6 fs6 fc5 sc0 ls176 ws177\">UK<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2999 w2b0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Defer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d tax o<span class=\"_ _0\"></span>n prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>s/(los<span class=\"_ _0\"></span>ses) for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x530 y299a w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x33f y2999 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y299b w2b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ior ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y299c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y299b w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x531 y299d w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x532 y299e w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y29a0 w2b2 hab\"><div class=\"t m0 x1ba ha y299f ff6 fs6 fc5 sc0 ls7e ws7a\">Other<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Defer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29a1 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y29a0 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29a2 w2b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ior ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29a3 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y29a2 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x531 y29a4 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x532 y29a5 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29a6 w2b3 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal de<span class=\"_ _1\"></span>ferred ta<span class=\"_ _1\"></span>x charge/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>credit) f<span class=\"_ _1\"></span>rom continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x330 y29a6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x526 y29a7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y29a8 ff6 fs6 fc5 sc0 ls13 ws12\">Discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x256 ha y29a9 ff6 fs6 fc5 sc0 ls15 ws14\">US<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29aa w2b2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Defer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d tax o<span class=\"_ _0\"></span>n (lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s)/profi<span class=\"_ _0\"></span>ts for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29ab w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x533 y29aa w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29ac w2b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ior ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29ad w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y29ac w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29ae w2b4 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal de<span class=\"_ _1\"></span>ferred ta<span class=\"_ _1\"></span>x charge fr<span class=\"_ _1\"></span>om discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x330 y29ae w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x534 y29af w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b0 w2b5 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal d<span class=\"_ _1\"></span>eferred<span class=\"_ _1\"></span> tax charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x535 y29b0 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x536 y29b1 w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w2b6 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal t<span class=\"_ _1\"></span>ax charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x537 y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x538 y27eb w2b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">5<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table>The a<span class=\"_ _0\"></span>bove cur<span class=\"_ _0\"></span>rent t<span class=\"_ _0\"></span>ax ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e/(<span class=\"_ _1\"></span>cre<span class=\"_ _0\"></span>dit) re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>s the exp<span class=\"_ _0\"></span>ected t<span class=\"_ _0\"></span>ax on t<span class=\"_ _0\"></span>he Re<span class=\"_ _0\"></span>sea<span class=\"_ _0\"></span>rch a<span class=\"_ _0\"></span>nd D<span class=\"_ _0\"></span>evelo<span class=\"_ _0\"></span>pme<span class=\"_ _0\"></span>nt Ex<span class=\"_ _0\"></span>pen<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ure Cre<span class=\"_ _0\"></span>dit (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>RD<span class=\"_ _0\"></span>EC<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>) rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e for 2024 and US state taxes f<span class=\"_ _0\"></span>rom 1 J<span class=\"_ _0\"></span>anu<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y 2024 to the date of disp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>al of th<span class=\"_ _0\"></span>e US bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>In th<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r year<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e tax c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>ge re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>e tax l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y on th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t, in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng st<span class=\"_ _0\"></span>ate taxes, an<span class=\"_ _0\"></span>d the amo<span class=\"_ _0\"></span>unt of ta<span class=\"_ _0\"></span>x ded<span class=\"_ _0\"></span>ucted f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he R<span class=\"_ _0\"></span>DEC re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le for 2023. Bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rent f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s, the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mate of the d<span class=\"_ _0\"></span>eferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>set in re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect of t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng in t<span class=\"_ _0\"></span>he U<span class=\"_ _0\"></span>K was \u00a3ni<span class=\"_ _0\"></span>l at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 (31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023: \u00a3nil). The U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024 is rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted as dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e/(<span class=\"_ _1\"></span>cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t) for the yea<span class=\"_ _0\"></span>r ca<span class=\"_ _0\"></span>n be re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d to the p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t/(los<span class=\"_ _0\"></span>s) before tax s<span class=\"_ _0\"></span>hown p<span class=\"_ _0\"></span>er t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated sta<span class=\"_ _1\"></span>tement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> as f<span class=\"_ _1\"></span>ollows.<span class=\"_ _2d6\"> </span>Fact<span class=\"_ _1\"></span>ors affec<span class=\"_ _1\"></span>ting the<span class=\"_ _1\"></span> tax charge/<span class=\"_ _5\"></span>(credit<span class=\"_ _1\"></span>) f<span class=\"_ _1\"></span>or the y<span class=\"_ _1\"></span>ear<span class=\"_ _2d6\"> </span><table class=\"s w12b hac\" id=\"_9b9f0dbd-4488-4760-b4c6-56c47ebb26bb\"><tr><td></td><td class=\"t m0 x539 h38 y29b2 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y29b2 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y29b3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y29b3 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y29b4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y29b4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y29b5 w2b8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(los<span class=\"_ _0\"></span>s) before ta<span class=\"_ _0\"></span>xatio<span class=\"_ _0\"></span>n for t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53b y29b6 w2b9 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">9.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53c y29b5 w2ba h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b7 w2bb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>axatio<span class=\"_ _0\"></span>n on p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(los<span class=\"_ _0\"></span>s) at 25.0% (202<span class=\"_ _1\"></span>3: 23.<span class=\"_ _0\"></span>5%)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53d y29b8 w2bc h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53e y29b7 w2bd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2d\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y29b9 ff4 fs6 fc5 sc0 ls52 ws50\">Ef<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>ts<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span>:<span class=\"_ _222\"> </span><span class=\"ff2 fc3 ls2 ws2\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29ba w2be h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Res<span class=\"_ _0\"></span>ea<span class=\"_ _0\"></span>rch a<span class=\"_ _0\"></span>nd deve<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>ent<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53f y29bb w2bf h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x540 y29ba wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29bc w2c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Effec<span class=\"_ _0\"></span>t of forei<span class=\"_ _0\"></span>gn t<span class=\"_ _0\"></span>ax rates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x529 y29bd wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52a y29bc wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">0.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29be w2c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Non-ta<span class=\"_ _1\"></span>xable/<span class=\"_ _1\"></span>non-deductible e<span class=\"_ _1\"></span>xpenses<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x224 y29bf w6c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x541 y29be w196 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c0 w2c2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Unrecognised timing diff<span class=\"_ _1\"></span>erences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x542 y29c1 w2c3 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x543 y29c0 w69 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c2 w2c4 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Unrecognised tax<span class=\"_ _1\"></span> losses accumulated<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x544 y29c3 w2c5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x545 y29c2 w2c6 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">5<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c4 w2a6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Adj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y29c5 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x52b y29c4 w2c7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c6 w2c8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Def<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>red ta<span class=\"_ _1\"></span>x assets der<span class=\"_ _1\"></span>ecognise<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x330 y29c7 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x534 y29c6 w2c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">6.<span class=\"_ _0\"></span>6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29c8 w2ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Impairment<span class=\"_ _1\"></span> charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x546 y29c9 w2cb h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(3.<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x547 y29c8 w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29ca w2b6 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal t<span class=\"_ _1\"></span>ax charge<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x537 y29ca w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x538 y29cb w2b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">5<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b0 w2cc h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lsd5 wscc\">T<span class=\"_ _5\"></span>otal t<span class=\"_ _1\"></span>ax charge/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>credit<span class=\"_ _1\"></span>) from c<span class=\"_ _1\"></span>ontinuing opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x527 y29b0 w2a5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x528 y29b1 w2aa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w2cd h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal ta<span class=\"_ _1\"></span>x charge fr<span class=\"_ _1\"></span>om discontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x548 y27ec wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x549 y27eb w2ce h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">6.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>The<span class=\"_ _0\"></span>re was no t<span class=\"_ _0\"></span>ax ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e/(<span class=\"_ _1\"></span>cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t) in th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent o<span class=\"_ _0\"></span>r pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r year re<span class=\"_ _0\"></span>lated to exchan<span class=\"_ _0\"></span>ge di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>feren<span class=\"_ _0\"></span>ces o<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>nsl<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of forei<span class=\"_ _0\"></span>gn op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s in oth<span class=\"_ _0\"></span>er c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>ive in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me or t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>cycli<span class=\"_ _0\"></span>ng of th<span class=\"_ _0\"></span>ese i<span class=\"_ _0\"></span>nto prof<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is taxe<span class=\"_ _0\"></span>d at dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nt rates de<span class=\"_ _0\"></span>pen<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng on t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>unt<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y in wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h the p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>ts ar<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>e. The key ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e tax r<span class=\"_ _0\"></span>ates for 202<span class=\"_ _1\"></span>4 i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de th<span class=\"_ _0\"></span>e UK 25%, and t<span class=\"_ _0\"></span>he US 21%. Th<span class=\"_ _0\"></span>e ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve tax rate for th<span class=\"_ _0\"></span>e year was 4.87% (2023: -<span class=\"_ _1\"></span>15.4%<span class=\"_ _1\"></span>). <table class=\"s w2cf had\" id=\"_925acdcb-46c4-46a2-90ea-7bbb100fac09\"><tr><td></td><td class=\"t m0 x539 h38 y29cc ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y29cc ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y29cd ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y29cd ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y29ce ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y29ce ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e5 wa4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Pro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty, plant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54a y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f6 y27e5 w2d0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1<span class=\"_ _0\"></span>.5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w2d1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ward l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses (U<span class=\"_ _0\"></span>K<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54c y27e7 w2d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w2d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ward l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses (U<span class=\"_ _0\"></span>S)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w2d4 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">Recognised d<span class=\"_ _1\"></span>eferred ta<span class=\"_ _1\"></span>x<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x535 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54e y27eb w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr></table>Unreco<span class=\"_ _0\"></span>gnised deferred tax<span class=\"_ _2d6\"> </span><table class=\"s w2d5 hae\" id=\"_b27a15d4-c9b9-4dc9-90ba-412b32b79791\"><tr><td></td><td class=\"t m0 x539 h38 y29cf ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y29cf ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y29d0 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y29d0 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y29d1 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y29d1 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y29d2 wa4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Pro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty, plant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54f y29d3 w2d6 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">6.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x550 y29d2 w2d7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">22.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2903 w2d8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>y fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ward l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x551 y2904 w2d9 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">125<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x552 y2903 w2da h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">183.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29d4 w2db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Def<span class=\"_ _1\"></span>erred st<span class=\"_ _1\"></span>ock op<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x553 y29d5 w2dc h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">22.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x554 y29d4 w2dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd6 wscd\">20.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w2de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">US R&amp;<span class=\"_ _0\"></span>D c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x555 y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x556 y27e5 wdf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w2df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">US fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue a<span class=\"_ _0\"></span>dj<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x557 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x558 y27e7 w2e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">40.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w27e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x559 y282f w1f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x295 y2830 we7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y29d8 w2e1 haf\"><div class=\"t m0 x1ba ha y29d6 ff6 fs6 fc5 sc0 ls15 ws14\">Unrecognised de<span class=\"_ _1\"></span>ferred tax</div><div class=\"t m0 x55a h3c y29d7 ff6 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x55b y29da w2e2 haf\"><div class=\"t m0 x1ba hd y29d9 ff2 fs6 fc3 sc0 lsd5 wscc\">154.<span class=\"_ _1\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x55c y27eb w2e3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">270.0<span class=\"_ _2d6\"> </span></div></td></tr></table>1.  <span class=\"_ _2\"></span>Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es p<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ted i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e ta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e a<span class=\"_ _0\"></span>bove a<span class=\"_ _0\"></span>re g<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>ss t<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d a<span class=\"_ _0\"></span>re n<span class=\"_ _0\"></span>ot ta<span class=\"_ _0\"></span>x ef<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs60b\">Bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the tem<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s, th<span class=\"_ _0\"></span>ere are tota<span class=\"_ _0\"></span>l un<span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d defer<span class=\"_ _0\"></span>red ta<span class=\"_ _0\"></span>x ass<span class=\"_ _0\"></span>ets of \u00a338.7 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a362.<span class=\"_ _0\"></span>2 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion). </div><div class=\"t m7 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs60c\">In a<span class=\"_ _0\"></span>ddit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n, the<span class=\"_ _0\"></span>re is a<span class=\"_ _0\"></span>n unre<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d defer<span class=\"_ _0\"></span>red tax a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to R&amp;<span class=\"_ _0\"></span>D expen<span class=\"_ _0\"></span>ditu<span class=\"_ _0\"></span>re cre<span class=\"_ _0\"></span>dit s<span class=\"_ _0\"></span>et-of<span class=\"_ _0\"></span>f amo<span class=\"_ _0\"></span>unts of \u00a32.0 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls71 ws6b gs60d\">(202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>1.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs60e\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has u<span class=\"_ _0\"></span>nre<span class=\"_ _0\"></span>lieve<span class=\"_ _0\"></span>d tax l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es of \u00a3125.0 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>183.4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) that are avai<span class=\"_ _0\"></span>lab<span class=\"_ _0\"></span>le fo<span class=\"_ _0\"></span>r offs<span class=\"_ _0\"></span>et ag<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>st futu<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs60f\">taxab<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>ts. </div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs610\">Fact<span class=\"_ _1\"></span>ors affec<span class=\"_ _1\"></span>ting the<span class=\"_ _1\"></span> tax charge<span class=\"_ _1\"></span> in future<span class=\"_ _1\"></span> years<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs611\">Factors t<span class=\"_ _0\"></span>hat may af<span class=\"_ _0\"></span>fect th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s futu<span class=\"_ _0\"></span>re tax c<span class=\"_ _0\"></span>harg<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude t<span class=\"_ _0\"></span>he g<span class=\"_ _0\"></span>eo<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>ph<span class=\"_ _0\"></span>ic l<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs612\">(in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ges i<span class=\"_ _0\"></span>n tra<span class=\"_ _0\"></span>nsfer p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ng ar<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nts)<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he tax r<span class=\"_ _0\"></span>ates in th<span class=\"_ _0\"></span>ose l<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns, c<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s in tax l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on an<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs613\">use of b<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>ght-for<span class=\"_ _0\"></span>ward ta<span class=\"_ _0\"></span>x los<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s total tax c<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>ge i<span class=\"_ _0\"></span>nvolves a de<span class=\"_ _0\"></span>gre<span class=\"_ _0\"></span>e of esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs614\">ju<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt with re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect to th<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on of a<span class=\"_ _0\"></span>ny deferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>set.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-388": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs616\">9. Ear<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>s/(los<span class=\"_ _0\"></span>s) per s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs617\">Bas<span class=\"_ _0\"></span>ic ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s/(loss) pe<span class=\"_ _0\"></span>r sh<span class=\"_ _0\"></span>are am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts are c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cul<span class=\"_ _0\"></span>ated by div<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(los<span class=\"_ _0\"></span>s) f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>r the ye<span class=\"_ _0\"></span>ar at<span class=\"_ _0\"></span>tri<span class=\"_ _0\"></span>but<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e to ordi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs618\">eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s of the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pany by th<span class=\"_ _0\"></span>e weig<span class=\"_ _0\"></span>hted avera<span class=\"_ _0\"></span>ge nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of ord<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>s outs<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs619\">For di<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ted ear<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>/(loss) per s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re, the wei<span class=\"_ _0\"></span>ghted aver<span class=\"_ _0\"></span>age n<span class=\"_ _0\"></span>umb<span class=\"_ _0\"></span>er of o<span class=\"_ _0\"></span>rdi<span class=\"_ _0\"></span>nar<span class=\"_ _2\"></span>y shares i<span class=\"_ _0\"></span>n is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>e is ad<span class=\"_ _0\"></span>juste<span class=\"_ _0\"></span>d to assu<span class=\"_ _0\"></span>me </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs61a\">conver<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>on of al<span class=\"_ _0\"></span>l di<span class=\"_ _0\"></span>lut<span class=\"_ _0\"></span>ive potenti<span class=\"_ _0\"></span>al o<span class=\"_ _0\"></span>rdin<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>es. Th<span class=\"_ _0\"></span>e di<span class=\"_ _0\"></span>lut<span class=\"_ _0\"></span>ive potenti<span class=\"_ _0\"></span>al o<span class=\"_ _0\"></span>rdi<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e sha<span class=\"_ _0\"></span>re opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs61b\">gra<span class=\"_ _0\"></span>nted to emp<span class=\"_ _0\"></span>loyee<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>-ba<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d com<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>nsat<span class=\"_ _0\"></span>ion s<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>s whi<span class=\"_ _0\"></span>ch d<span class=\"_ _0\"></span>o not have an exerci<span class=\"_ _0\"></span>se p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e or </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs61c\">whe<span class=\"_ _0\"></span>re the exerc<span class=\"_ _0\"></span>ise p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce is l<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s tha<span class=\"_ _0\"></span>n the aver<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e mar<span class=\"_ _0\"></span>ket pri<span class=\"_ _0\"></span>ce of th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _0\"></span>\u2019s ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs61d\">Wh<span class=\"_ _0\"></span>ere l<span class=\"_ _0\"></span>oss p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>hare i<span class=\"_ _0\"></span>s pres<span class=\"_ _0\"></span>ented, t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s no di<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e in t<span class=\"_ _0\"></span>he wei<span class=\"_ _0\"></span>ghted avera<span class=\"_ _0\"></span>ge n<span class=\"_ _0\"></span>umb<span class=\"_ _0\"></span>er of s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s use<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs61e\">ca<span class=\"_ _0\"></span>lcu<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion of b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>c and d<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>uted l<span class=\"_ _0\"></span>oss p<span class=\"_ _0\"></span>er sh<span class=\"_ _0\"></span>are as t<span class=\"_ _0\"></span>he ef<span class=\"_ _0\"></span>fect of a<span class=\"_ _0\"></span>ll p<span class=\"_ _0\"></span>otentia<span class=\"_ _0\"></span>lly d<span class=\"_ _0\"></span>ilu<span class=\"_ _0\"></span>tive s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng was a<span class=\"_ _0\"></span>nti-<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>tive.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs61f\">The fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(loss) an<span class=\"_ _0\"></span>d sha<span class=\"_ _0\"></span>re data u<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e basi<span class=\"_ _0\"></span>c an<span class=\"_ _0\"></span>d dil<span class=\"_ _0\"></span>uted e<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>gs/(los<span class=\"_ _0\"></span>s) per </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs620\">share<span class=\"_ _1\"></span> computations<span class=\"_ _1\"></span>:<span class=\"_ _2d6\"> </span></div><div class=\"gs621\"><table class=\"s w2e4 hb0\" id=\"_cafe23ed-59fc-4bdc-b611-284e07d84758\"><tr><td></td><td></td><td class=\"t m0 x55d h38 y29db ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x250 h38 y29dc ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x55e h38 y29dd ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x55f h38 y29dd ff2 fs19 fc3 sc0 lsf1 wsea\">Before<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x560 h38 y29de ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x561 h38 y29de ff2 fs19 fc3 sc0 lsd1 wsc8\">ex<span class=\"_ _1\"></span>ceptional<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x562 h35 y29de ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x560 h38 y29df ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x563 h38 y29df ff2 fs19 fc3 sc0 lsdc wsd3\">item<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a3 h35 y29df ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x564 h38 y29e0 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a7 h38 y29e0 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a8 h35 y29e0 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2903 w2e5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(los<span class=\"_ _0\"></span>s) for the yea<span class=\"_ _0\"></span>r fro<span class=\"_ _0\"></span>m co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nui<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x565 y2904 w6c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x566 y2904 w83 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">2<span class=\"_ _0\"></span>.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x567 y2903 w6d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(8<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29d4 w2e6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Bas<span class=\"_ _0\"></span>ic we<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>hted avera<span class=\"_ _0\"></span>ge n<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r of ord<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>es in i<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ue (mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x568 y29d5 w2e7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7a ws76\">342<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x569 y29d5 w2e7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7a ws76\">342<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56a y29d4 w2e8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">34<span class=\"_ _0\"></span>4.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w2e9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Bas<span class=\"_ _0\"></span>ic e<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>/(loss) pe<span class=\"_ _0\"></span>r sh<span class=\"_ _0\"></span>are f<span class=\"_ _0\"></span>rom c<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56b y27e6 w2ea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2\"></span>p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56c y27e6 w2eb h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56d y27e5 w92 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">(2.4)p<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29e1 w2e5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(los<span class=\"_ _0\"></span>s) for the yea<span class=\"_ _0\"></span>r fro<span class=\"_ _0\"></span>m co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nui<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x565 y29e2 w6c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x566 y29e2 w83 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">2<span class=\"_ _0\"></span>.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x567 y29e1 w6d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(8<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b1 w2ec h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ted wei<span class=\"_ _0\"></span>ghted ave<span class=\"_ _0\"></span>rag<span class=\"_ _0\"></span>e nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of o<span class=\"_ _0\"></span>rdi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>e (mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56e y29b0 w2ed h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd3 wsca\">3<span class=\"_ _0\"></span>82<span class=\"_ _0\"></span>.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56f y29b0 w2ed h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd3 wsca\">382<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x570 y29b1 w2e8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">34<span class=\"_ _0\"></span>4.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w2ee h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ted ea<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s/(los<span class=\"_ _0\"></span>s) per s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re fro<span class=\"_ _0\"></span>m co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nui<span class=\"_ _0\"></span>ng o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x571 y27ec w91 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x572 y27ec w2ef h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.<span class=\"_ _0\"></span>8p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x573 y27eb w92 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">(2.4)p<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"gs622\"><table class=\"s w2f0 hb1\" id=\"_a5811337-c9a4-4478-ac1c-29bf2713556b\"><tr><td></td><td></td><td class=\"t m0 x55d h38 y29e3 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x250 h38 y29e4 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x55e h38 y29e5 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x55f h38 y29e5 ff2 fs19 fc3 sc0 lsf1 wsea\">Before<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x562 h35 y29e5 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x560 h38 y29e6 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x561 h38 y29e6 ff2 fs19 fc3 sc0 lsd1 wsc8\">ex<span class=\"_ _1\"></span>ceptional<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a3 h35 y29e6 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x560 h38 y29e7 ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x563 h38 y29e7 ff2 fs19 fc3 sc0 lsdc wsd3\">item<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y29e7 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x564 h38 y29e8 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a7 h38 y29e8 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a8 h35 y29e8 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2903 w2f1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(los<span class=\"_ _0\"></span>s) for the yea<span class=\"_ _0\"></span>r fro<span class=\"_ _0\"></span>m di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x574 y2904 w71 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">8.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x575 y2904 w6f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(10<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x576 y2903 w2f2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2905 w2e6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Bas<span class=\"_ _0\"></span>ic we<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>hted avera<span class=\"_ _0\"></span>ge n<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r of ord<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>es in i<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ue (mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x568 y2906 w2e7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7a ws76\">342<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x569 y2906 w2e7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7a ws76\">342<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56a y2905 w2e8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">34<span class=\"_ _0\"></span>4.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w2f3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Basic<span class=\"_ _1\"></span> earnings/<span class=\"_ _1\"></span>(loss<span class=\"_ _1\"></span>) per s<span class=\"_ _1\"></span>hare fr<span class=\"_ _1\"></span>om discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x577 y27e6 w2f4 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">2<span class=\"_ _0\"></span>.4p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x578 y27e6 w2f5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(3<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x579 y27e5 w1d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(8.7<span class=\"_ _0\"></span>)p<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29e1 w2f6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Pro<span class=\"_ _1\"></span>fit/(lo<span class=\"_ _1\"></span>ss)<span class=\"_ _1\"></span>for the<span class=\"_ _1\"></span> year<span class=\"_ _1\"></span> from di<span class=\"_ _1\"></span>scontinued<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x57a y29e2 w71 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">8.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x57b y29e2 w2f7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(10.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x57c y29e1 w72 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>0.1)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e9 w2ec h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ted wei<span class=\"_ _0\"></span>ghted ave<span class=\"_ _0\"></span>rag<span class=\"_ _0\"></span>e nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of o<span class=\"_ _0\"></span>rdi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>e (mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56e y27ea w2ed h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd3 wsca\">3<span class=\"_ _0\"></span>82<span class=\"_ _0\"></span>.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x57d y27ea w2e7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7a ws76\">342<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x57e y27e9 w2e8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">3<span class=\"_ _0\"></span>44.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w2f8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Dilut<span class=\"_ _1\"></span>ed earnings/<span class=\"_ _1\"></span>(lo<span class=\"_ _1\"></span>ss) per<span class=\"_ _1\"></span> share<span class=\"_ _1\"></span> from dis<span class=\"_ _1\"></span>continued oper<span class=\"_ _1\"></span>ations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x57f y27ec w2f9 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsca wsc2\">2.2p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x580 y27ec w2fa h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0)<span class=\"_ _0\"></span>p<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x581 y27eb w2fb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(8.<span class=\"_ _0\"></span>7)<span class=\"_ _0\"></span>p</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-389": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs624\">10. I<span class=\"_ _0\"></span>nta<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div><div class=\"gs5dd\"><table class=\"s w12b hb2\" id=\"_437053d2-f4dc-4def-a4a6-05425f8771ac\"><tr><td></td><td class=\"t m0 x41e h35 y29e9 ff4 fs19 fc5 sc0 lsd0 wsc7\">Capitalised<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x2b0 h35 y29ea ff4 fs19 fc5 sc0 lsd1 wsc8\">dev<span class=\"_ _1\"></span>elopment<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x582 h35 y29ea ff4 fs19 fc5 sc0 lsd1 wsc8\">Computer<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h35 y29ea ff4 fs19 fc5 sc0 lsf1 wsea\">Other<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x583 h35 y29eb ff4 fs19 fc5 sc0 lsfd wsf6\">costs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x584 h35 y29eb ff4 fs19 fc5 sc0 ls152 ws150\">sof<span class=\"_ _0\"></span>twa<span class=\"_ _0\"></span>re<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x585 h35 y29eb ff4 fs19 fc5 sc0 lsf1 wsea\">intangibles<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y29eb ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1b9 h35 y29ec ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h35 y29ec ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h35 y29ec ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y29ec ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y29ed ff6 fs6 fc5 sc0 ls7e ws7a\">Cost<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29ee w2fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x587 y29ee w2fd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">54.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x588 y29ee w2fe h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x589 y29ee w169 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58a y29ee w186 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">56.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29ef w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58b y29ef w1f1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd4 wscb\">(0.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58c y29ef w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58d y29ef w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58e y29ef w1f1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd4 wscb\">(0.8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f0 w300 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58f y29f0 w301 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x590 y29f0 w302 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x591 y29f0 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x592 y29f0 w303 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2802 w304 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x593 y2802 w305 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(4<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x594 y2802 w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x595 y2802 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x596 y2802 w147 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f1 w306 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x597 y29f1 w307 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">61.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x598 y29f1 wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x599 y29f1 w169 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59a y29f1 w8c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">62.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f2 w308 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59b y29f2 w309 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">61.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59c y29f2 wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59d y29f2 w169 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59e y29f2 w30a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">62.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f3 w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59f y29f3 w18e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a0 y29f3 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a1 y29f3 w30b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a2 y29f3 w30c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f4 w300 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a3 y29f4 w30d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">9.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a4 y29f4 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a5 y29f4 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a6 y29f4 w30d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">9.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f5 w304 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a7 y29f5 w30e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.4<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a8 y29f5 w30f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a9 y29f5 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5aa y29f5 w310 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.7<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y280f w311 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">De-recognition<span class=\"_ _1\"></span> of a<span class=\"_ _1\"></span>ssets o<span class=\"_ _1\"></span>f discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ab y280f w312 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">(15.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ba y280f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ac y280f w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ad y280f w312 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">(15.<span class=\"_ _0\"></span>7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f6 w313 h91\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ae y29f6 w314 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">50.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5af y29f6 wea h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b0 y29f6 w315 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b1 y29f6 w316 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">51.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y29f7 ff6 fs6 fc5 sc0 ls17 ws16\">Accumulated<span class=\"_ _1\"></span> amor<span class=\"_ _0\"></span>tisation<span class=\"_ _23a\"> </span><span class=\"ff4 ls2 ws2\"> <span class=\"_ _67\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _67\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29f8 w2fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b2 y29f8 w317 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls53 ws6d\">26.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b3 y29f8 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b4 y29f8 w318 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b5 y29f8 w317 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls53 ws6d\">28<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y287c w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58b y287c w319 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b6 y287c w1b1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b7 y287c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b8 y287c w8c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(0<span class=\"_ _0\"></span>.4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f9 w31a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b9 y29f9 w31b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">12.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ba y29f9 w31c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y29f9 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5bb y29f9 w31d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y281a w31e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Impairment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5bc y281a w31f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5bd y281a w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5be y281a w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5bf y281a w127 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fa w304 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x593 y29fa w305 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(4<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x594 y29fa w199 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x595 y29fa w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x596 y29fa w147 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fb w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c0 y29fb w320 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">3<span class=\"_ _0\"></span>8.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c1 y29fb w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c2 y29fb w169 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c3 y29fb w321 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">39.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fc w308 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At <span>1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2024<span class=\"_ _2d6\"> </span></span></div></td><td class=\"c n x5c4 y29fc w1f1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">38.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c5 y29fc w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c6 y29fc w169 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x1cd y29fc w322 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">39.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2887 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c7 y2887 w323 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c8 y2887 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4db y2887 w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c9 y2887 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fd w31a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ca y29fd w324 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">9.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5cb y29fd w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5cc y29fd w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x509 y29fd w1ce h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">9.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2889 w325 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Impairment<span class=\"_ _1\"></span> (e<span class=\"_ _1\"></span>xcept<span class=\"_ _1\"></span>ional item<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x43f y2889 w326 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5cd y2889 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ce y2889 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5cf y2889 w327 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y288b w31e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Impairment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ca y288b w19b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d0 y288b w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d1 y288b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d2 y288b w328 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2957 w304 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a7 y2957 w30e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.4<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a8 y2957 w30f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(0<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a9 y2957 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5aa y2957 w310 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.7<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2966 w311 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">De-recognition<span class=\"_ _1\"></span> of a<span class=\"_ _1\"></span>ssets o<span class=\"_ _1\"></span>f discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ab y2966 w312 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">(15.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ba y2966 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ac y2966 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ad y2966 w312 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">(15.<span class=\"_ _0\"></span>7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2967 w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d3 y2967 w329 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d4 y2967 w32a h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d5 y2967 w32b h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d6 y2967 w32c h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls1e ws26\">30.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y29fe ff6 fs6 fc5 sc0 lsd5 wscc\">Carrying amoun<span class=\"_ _1\"></span>t<span class=\"_ _1f3\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10b\"> </span> <span class=\"_ _10b\"> </span> <span class=\"_ _67\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29ff w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d7 y29ff w32d h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">21.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d8 y29ff w28 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d9 y29ff w1c h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5da y29ff w32e h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">21.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5db y27eb w32f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">22.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5dc y27eb w330 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5dd y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5de y27eb wa3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls80 ws7c\">23<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs625\">Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024 \u00a30.3 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3n<span class=\"_ _0\"></span>il) of int<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le as<span class=\"_ _0\"></span>sets we<span class=\"_ _0\"></span>re im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>n the Fl<span class=\"_ _0\"></span>exiP<span class=\"_ _0\"></span>ay </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs626\">Bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess U<span class=\"_ _0\"></span>nit r<span class=\"_ _0\"></span>elated to p<span class=\"_ _0\"></span>roje<span class=\"_ _0\"></span>cts d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nue<span class=\"_ _0\"></span>d as a re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>t of the s<span class=\"_ _0\"></span>imp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. Thes<span class=\"_ _0\"></span>e were tr<span class=\"_ _0\"></span>eated as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs627\">an excepti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al item (se<span class=\"_ _0\"></span>e note 4)<span class=\"_ _1\"></span>. A fu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er \u00a30.8 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n of int<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>les we<span class=\"_ _0\"></span>re im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>n 2024 related to cap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs628\">devel<span class=\"_ _0\"></span>opm<span class=\"_ _0\"></span>ent s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>nd an<span class=\"_ _0\"></span>d sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware n<span class=\"_ _0\"></span>o lo<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>r in u<span class=\"_ _0\"></span>se. I<span class=\"_ _0\"></span>n the p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>r inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets of \u00a33.9 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n pre<span class=\"_ _0\"></span>dom<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>antl<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs629\">rel<span class=\"_ _0\"></span>ated to the US b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s were fu<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red. T<span class=\"_ _0\"></span>his w<span class=\"_ _0\"></span>as as a res<span class=\"_ _0\"></span>ult of t<span class=\"_ _0\"></span>he an<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>al im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ment rev<span class=\"_ _0\"></span>iew ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sme<span class=\"_ _0\"></span>nt of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs62a\">each cash-genera<span class=\"_ _1\"></span>ting unit. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-421": {
   "value": "10. I<span class=\"_ _0\"></span>nta<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span><table class=\"s w12b hb2\" id=\"_437053d2-f4dc-4def-a4a6-05425f8771ac\"><tr><td></td><td class=\"t m0 x41e h35 y29e9 ff4 fs19 fc5 sc0 lsd0 wsc7\">Capitalised<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x2b0 h35 y29ea ff4 fs19 fc5 sc0 lsd1 wsc8\">dev<span class=\"_ _1\"></span>elopment<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x582 h35 y29ea ff4 fs19 fc5 sc0 lsd1 wsc8\">Computer<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h35 y29ea ff4 fs19 fc5 sc0 lsf1 wsea\">Other<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x583 h35 y29eb ff4 fs19 fc5 sc0 lsfd wsf6\">costs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x584 h35 y29eb ff4 fs19 fc5 sc0 ls152 ws150\">sof<span class=\"_ _0\"></span>twa<span class=\"_ _0\"></span>re<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x585 h35 y29eb ff4 fs19 fc5 sc0 lsf1 wsea\">intangibles<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y29eb ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1b9 h35 y29ec ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h35 y29ec ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h35 y29ec ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y29ec ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y29ed ff6 fs6 fc5 sc0 ls7e ws7a\">Cost<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29ee w2fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x587 y29ee w2fd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">54.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x588 y29ee w2fe h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x589 y29ee w169 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58a y29ee w186 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">56.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29ef w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58b y29ef w1f1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd4 wscb\">(0.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58c y29ef w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58d y29ef w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58e y29ef w1f1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd4 wscb\">(0.8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f0 w300 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58f y29f0 w301 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x590 y29f0 w302 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x591 y29f0 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x592 y29f0 w303 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">11.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2802 w304 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x593 y2802 w305 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(4<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x594 y2802 w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x595 y2802 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x596 y2802 w147 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f1 w306 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x597 y29f1 w307 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">61.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x598 y29f1 wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x599 y29f1 w169 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59a y29f1 w8c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">62.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f2 w308 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59b y29f2 w309 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">61.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59c y29f2 wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59d y29f2 w169 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59e y29f2 w30a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">62.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f3 w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x59f y29f3 w18e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a0 y29f3 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a1 y29f3 w30b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a2 y29f3 w30c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f4 w300 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a3 y29f4 w30d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">9.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a4 y29f4 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a5 y29f4 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a6 y29f4 w30d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">9.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f5 w304 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a7 y29f5 w30e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.4<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a8 y29f5 w30f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a9 y29f5 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5aa y29f5 w310 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.7<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y280f w311 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">De-recognition<span class=\"_ _1\"></span> of a<span class=\"_ _1\"></span>ssets o<span class=\"_ _1\"></span>f discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ab y280f w312 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">(15.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ba y280f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ac y280f w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ad y280f w312 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">(15.<span class=\"_ _0\"></span>7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f6 w313 h91\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ae y29f6 w314 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">50.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5af y29f6 wea h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b0 y29f6 w315 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b1 y29f6 w316 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">51.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y29f7 ff6 fs6 fc5 sc0 ls17 ws16\">Accumulated<span class=\"_ _1\"></span> amor<span class=\"_ _0\"></span>tisation<span class=\"_ _23a\"> </span><span class=\"ff4 ls2 ws2\"> <span class=\"_ _67\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _67\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29f8 w2fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b2 y29f8 w317 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls53 ws6d\">26.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b3 y29f8 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b4 y29f8 w318 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b5 y29f8 w317 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls53 ws6d\">28<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y287c w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58b y287c w319 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b6 y287c w1b1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b7 y287c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b8 y287c w8c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(0<span class=\"_ _0\"></span>.4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f9 w31a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5b9 y29f9 w31b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">12.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ba y29f9 w31c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y29f9 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5bb y29f9 w31d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y281a w31e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Impairment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5bc y281a w31f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5bd y281a w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5be y281a w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5bf y281a w127 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fa w304 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x593 y29fa w305 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(4<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x594 y29fa w199 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x595 y29fa w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x596 y29fa w147 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fb w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c0 y29fb w320 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">3<span class=\"_ _0\"></span>8.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c1 y29fb w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c2 y29fb w169 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c3 y29fb w321 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">39.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fc w308 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At <span>1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2024<span class=\"_ _2d6\"> </span></span></div></td><td class=\"c n x5c4 y29fc w1f1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">38.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c5 y29fc w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c6 y29fc w169 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x1cd y29fc w322 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">39.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2887 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c7 y2887 w323 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c8 y2887 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4db y2887 w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5c9 y2887 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fd w31a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ca y29fd w324 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">9.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5cb y29fd w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5cc y29fd w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x509 y29fd w1ce h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">9.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2889 w325 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Impairment<span class=\"_ _1\"></span> (e<span class=\"_ _1\"></span>xcept<span class=\"_ _1\"></span>ional item<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x43f y2889 w326 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5cd y2889 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ce y2889 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5cf y2889 w327 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y288b w31e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Impairment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ca y288b w19b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d0 y288b w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d1 y288b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d2 y288b w328 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2957 w304 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a7 y2957 w30e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.4<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a8 y2957 w30f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(0<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a9 y2957 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5aa y2957 w310 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.7<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2966 w311 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">De-recognition<span class=\"_ _1\"></span> of a<span class=\"_ _1\"></span>ssets o<span class=\"_ _1\"></span>f discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ab y2966 w312 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">(15.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ba y2966 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ac y2966 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ad y2966 w312 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">(15.<span class=\"_ _0\"></span>7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2967 w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d3 y2967 w329 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d4 y2967 w32a h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d5 y2967 w32b h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d6 y2967 w32c h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls1e ws26\">30.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y29fe ff6 fs6 fc5 sc0 lsd5 wscc\">Carrying amoun<span class=\"_ _1\"></span>t<span class=\"_ _1f3\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10b\"> </span> <span class=\"_ _10b\"> </span> <span class=\"_ _67\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29ff w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d7 y29ff w32d h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">21.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d8 y29ff w28 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d9 y29ff w1c h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5da y29ff w32e h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">21.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5db y27eb w32f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">22.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5dc y27eb w330 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5dd y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5de y27eb wa3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls80 ws7c\">23<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td></tr></table>Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024 \u00a30.3 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3n<span class=\"_ _0\"></span>il) of int<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le as<span class=\"_ _0\"></span>sets we<span class=\"_ _0\"></span>re im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>n the Fl<span class=\"_ _0\"></span>exiP<span class=\"_ _0\"></span>ay Bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess U<span class=\"_ _0\"></span>nit r<span class=\"_ _0\"></span>elated to p<span class=\"_ _0\"></span>roje<span class=\"_ _0\"></span>cts d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nue<span class=\"_ _0\"></span>d as a re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>t of the s<span class=\"_ _0\"></span>imp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. Thes<span class=\"_ _0\"></span>e were tr<span class=\"_ _0\"></span>eated as an excepti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al item (se<span class=\"_ _0\"></span>e note 4)<span class=\"_ _1\"></span>. A fu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er \u00a30.8 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n of int<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>les we<span class=\"_ _0\"></span>re im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red i<span class=\"_ _0\"></span>n 2024 related to cap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sed devel<span class=\"_ _0\"></span>opm<span class=\"_ _0\"></span>ent s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>nd an<span class=\"_ _0\"></span>d sof<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ware n<span class=\"_ _0\"></span>o lo<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>r in u<span class=\"_ _0\"></span>se. I<span class=\"_ _0\"></span>n the p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>or yea<span class=\"_ _0\"></span>r inta<span class=\"_ _0\"></span>ngi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets of \u00a33.9 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n pre<span class=\"_ _0\"></span>dom<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>antl<span class=\"_ _0\"></span>y rel<span class=\"_ _0\"></span>ated to the US b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s were fu<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red. T<span class=\"_ _0\"></span>his w<span class=\"_ _0\"></span>as as a res<span class=\"_ _0\"></span>ult of t<span class=\"_ _0\"></span>he an<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>al im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ment rev<span class=\"_ _0\"></span>iew ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sme<span class=\"_ _0\"></span>nt of each cash-genera<span class=\"_ _1\"></span>ting unit.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-390": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs62c\">11. Prop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, p<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>q<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>pm<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t, ri<span class=\"_ _0\"></span>gh<span class=\"_ _0\"></span>t-of-us<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>ea<span class=\"_ _0\"></span>se l<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs62d\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ht-of-use as<span class=\"_ _0\"></span>sets w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es he<span class=\"_ _0\"></span>ld by th<span class=\"_ _0\"></span>e G<span class=\"_ _0\"></span>roup. I<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n ab<span class=\"_ _0\"></span>out l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs62e\">whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up i<span class=\"_ _0\"></span>s a les<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>e is pre<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>nted be<span class=\"_ _0\"></span>low.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs62f\">Analysi<span class=\"_ _1\"></span>s of property<span class=\"_ _5\"></span>, plant and<span class=\"_ _1\"></span> equipment betw<span class=\"_ _1\"></span>een own<span class=\"_ _1\"></span>ed and leased<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div><div class=\"gs630\"><table class=\"s w26f hb3\" id=\"_991fdb4b-b28a-4754-96f7-49ca3296e522\"><tr><td></td><td class=\"t m0 x24e h38 y2a00 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2a00 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2a01 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2a01 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2a02 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a02 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y288f w331 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Pro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty, plant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt (owne<span class=\"_ _0\"></span>d)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5df y2890 w83 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">2<span class=\"_ _0\"></span>.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5e0 y288f w69 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w332 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Right<span class=\"_ _1\"></span>-of-use a<span class=\"_ _1\"></span>ssets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5e1 y282f w333 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">6<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5cf y2830 w334 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x4d9 y27ec wa6 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">9.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5e2 y27eb wa7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5.0<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3d ws3e gs631\">Reconciliation of<span class=\"_ _1\"></span> amount recognised in the<span class=\"_ _1\"></span> balance sheet<span class=\"_ _2d6\"> </span></div><div class=\"gs632\"><table class=\"s w335 hb4\" id=\"_8824d098-eda2-4131-9462-06d9dab54d0f\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x5e3 h35 y2a03 ff4 fs19 fc5 sc0 lse4 wsdd\">Right<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>of<span class=\"_ _1\"></span>-use<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x5e4 h35 y2a04 ff4 fs19 fc5 sc0 lse4 wsdd\">Leasehold<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e5 h35 y2a04 ff4 fs19 fc5 sc0 lsd1 wsc8\">Computer<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e6 h35 y2a04 ff4 fs19 fc5 sc0 ls10b ws104\">Furnitu<span class=\"_ _0\"></span>re and<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e7 h35 y2a04 ff4 fs19 fc5 sc0 ls141 ws13c\">asset<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x5e8 h35 y2a05 ff4 fs19 fc5 sc0 lsd1 wsc8\">improv<span class=\"_ _1\"></span>ements<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e9 h35 y2a05 ff4 fs19 fc5 sc0 lsd1 wsc8\">equipment<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ea h35 y2a05 ff4 fs19 fc5 sc0 ls10b ws104\">fix<span class=\"_ _0\"></span>tures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5eb h35 y2a05 ff4 fs19 fc5 sc0 lscf wsc6\">(property)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ec h35 y2a05 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x5ed h35 y2a06 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ee h35 y2a06 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h35 y2a06 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h35 y2a06 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a06 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2a07 ff6 fs6 fc5 sc0 ls2 ws2\">Co<span class=\"_ _0\"></span>st </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a08 w2fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f0 y2a08 w336 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">5.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f1 y2a08 w24f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f2 y2a08 w257 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f3 y2a08 w337 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7f ws7b\">32<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f4 y2a08 w338 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">43<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a09 w304 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f5 y2a09 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f6 y2a09 w339 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f7 y2a09 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f8 y2a09 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f9 y2a09 w33a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a0b w33b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions</div><div class=\"t m0 x5fa h3b y2a0a ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5fb y2a0b w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5fc y2a0b w196 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5fd y2a0b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5fe y2a0b w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ff y2a0b w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a0c w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a0c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a0c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2a0c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x603 y2a0c w33c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x604 y2a0c w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a0d w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x605 y2a0d w22a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x498 y2a0d w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x606 y2a0d w33d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x607 y2a0d w33e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x608 y2a0d w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls89 ws85\">42.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a0e w308 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x609 y2a0e w336 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60a y2a0e w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60b y2a0e w294 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60c y2a0e w33e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60d y2a0e w340 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls89 ws85\">42.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a0f w304 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60e y2a0f w2a7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60f y2a0f w341 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x610 y2a0f w342 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x611 y2a0f w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(9.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x612 y2a0f w22f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(1<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a10 w343 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Lease<span class=\"_ _1\"></span> modific<span class=\"_ _0\"></span>ation<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a10 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a10 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2a10 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x613 y2a10 w344 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x614 y2a10 w345 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a12 w33b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions</div><div class=\"t m0 x5fa h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x615 y2a12 w346 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x616 y2a12 w272 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x617 y2a12 w20c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x618 y2a12 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x619 y2a12 wdf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2a13 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences and other<span class=\"_ _1\"></span> non-<span class=\"_ _0\"></span>cash </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y280f w347 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">move<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61a y280f w7e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(0<span class=\"_ _0\"></span>.4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61b y280f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61c y280f w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61d y280f w20c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f8 y280f w199 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a14 w348 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Derecognit<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> of di<span class=\"_ _1\"></span>scontinued ope<span class=\"_ _1\"></span>rations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61a y2a14 w231 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61e y2a14 w349 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61f y2a14 w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x620 y2a14 w34b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(10.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x621 y2a14 w34c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a15 w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x622 y2a15 w31 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17 ws16\">3.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x623 y2a15 w34d h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bd y2a15 w34e h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x624 y2a15 w34f h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls87 ws83\">18.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x625 y2a15 w350 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">24<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2a16 ff6 fs6 fc5 sc0 ls17 ws16\">Accumulated<span class=\"_ _1\"></span> depreciation <span class=\"_ _240\"> </span><span class=\"ff4 ls2 ws2\"> <span class=\"_ _67\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _67\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y287c w2fc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f0 y287c w127 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x626 y287c w351 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x627 y287c w352 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x628 y287c w353 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x629 y287c w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">33.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f9 w304 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f5 y29f9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f6 y29f9 w339 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f7 y29f9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f8 y29f9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f9 y29f9 w33a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y281a w31a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62a y281a w196 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62b y281a w354 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62c y281a w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62d y281a w355 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62e y281a wb7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">4.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fa w31e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Impairment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62f y29fa w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x630 y29fa w20c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f2 y29fa w30c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x631 y29fa w18d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54c y29fa w2d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a17 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x632 y2a17 w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x633 y2a17 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x634 y2a17 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x635 y2a17 w1ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x636 y2a17 w319 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y281e w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x605 y281e w356 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x637 y281e w69 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x638 y281e w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x607 y281e w357 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">29.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x639 y281e w358 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2d\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2887 w308 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x609 y2887 w265 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63a y2887 w69 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63b y2887 w20e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63c y2887 w357 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">29.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63d y2887 w358 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2d\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fd w304 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60e y29fd w2a7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60f y29fd w341 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x610 y29fd w342 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x611 y29fd w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(9.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x612 y29fd w22f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(1<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2889 w31a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63e y2889 w126 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63f y2889 w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x640 y2889 w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x641 y2889 w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x642 y2889 w127 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y288b w31e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Impairment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62f y288b w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x630 y288b w20c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x643 y288b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x644 y288b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x645 y288b w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2957 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2957 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2957 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2957 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x646 y2957 w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x647 y2957 w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2966 w348 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Derecognit<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> of di<span class=\"_ _1\"></span>scontinued ope<span class=\"_ _1\"></span>rations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61a y2966 w231 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61e y2966 w349 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61f y2966 w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x648 y2966 w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(9.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x649 y2966 w359 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(<span class=\"_ _0\"></span>11.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2967 w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64a y2967 w35a h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64b y2967 w30d h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">1<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64c y2967 wb7 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64d y2967 w35b h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf5 wsee\">11<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64e y2967 w35c h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls8a ws86\">14<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y2a18 ff6 fs6 fc5 sc0 lsd5 wscc\">Carrying amoun<span class=\"_ _1\"></span>t<span class=\"_ _243\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10b\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _10b\"> </span> <span class=\"_ _10b\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29ff w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64f y29ff w293 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x650 y29ff wb7 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x651 y29ff wea h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x652 y29ff w35d h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">6.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x653 y29ff wa6 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">9.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x654 y27eb w19b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x498 y27eb w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x655 y27eb w20c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x656 y27eb w334 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x657 y27eb wa7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5.0<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs633\">1. <span class=\"_ _1f\"> </span> Lea<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rove<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d ri<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>ht-of-u<span class=\"_ _0\"></span>se a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>et a<span class=\"_ _0\"></span>dd<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s in t<span class=\"_ _0\"></span>he ye<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>r ar<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h in n<span class=\"_ _0\"></span>atu<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs635\">In Feb<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y 2024, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p sig<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d an am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dme<span class=\"_ _0\"></span>nt to sho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ten th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se ter<span class=\"_ _0\"></span>m on o<span class=\"_ _0\"></span>ne of th<span class=\"_ _0\"></span>e UK of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ice f<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>s to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs636\">30 Ju<span class=\"_ _0\"></span>ne 2024 and ex<span class=\"_ _0\"></span>tend t<span class=\"_ _0\"></span>he ter<span class=\"_ _0\"></span>m on th<span class=\"_ _0\"></span>e othe<span class=\"_ _0\"></span>r fl<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. Th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of th<span class=\"_ _0\"></span>e leas<span class=\"_ _0\"></span>e wh<span class=\"_ _0\"></span>ich wa<span class=\"_ _0\"></span>s sho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ten<span class=\"_ _0\"></span>ed res<span class=\"_ _0\"></span>ulte<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs637\">in a net m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n gai<span class=\"_ _0\"></span>n of \u00a30.4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (wi<span class=\"_ _0\"></span>th a \u00a31.1 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n redu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n leas<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty a<span class=\"_ _0\"></span>nd \u00a30.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n redu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n </div><div class=\"t m0 h8 ff1a fs4 fc5 sc0 ls2 ws2 gs638\">ri<span class=\"_ _0\"></span>ght-\u200aof<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>use as<span class=\"_ _0\"></span>set), and t<span class=\"_ _0\"></span>he le<span class=\"_ _0\"></span>ase l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d rig<span class=\"_ _0\"></span>ht of use a<span class=\"_ _0\"></span>sset n<span class=\"_ _0\"></span>et of acc<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ulated d<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>iati<span class=\"_ _0\"></span>on were d<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed at </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs639\">30 Ju<span class=\"_ _0\"></span>ne 2024. The ex<span class=\"_ _0\"></span>tensi<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e term o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e othe<span class=\"_ _0\"></span>r fl<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>r resu<span class=\"_ _0\"></span>lted i<span class=\"_ _0\"></span>n an i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase to th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty of \u00a36.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs63a\">and r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ht of use a<span class=\"_ _0\"></span>sset of \u00a36.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on b<span class=\"_ _0\"></span>efore dep<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>iati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. Lease<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>ld im<span class=\"_ _0\"></span>provem<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>ddi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iated wi<span class=\"_ _0\"></span>th re<span class=\"_ _0\"></span>-fi<span class=\"_ _0\"></span>tt<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs63b\">the r<span class=\"_ _1\"></span>etained<span class=\"_ _1\"></span> floor t<span class=\"_ _1\"></span>otalled \u00a3<span class=\"_ _1\"></span>1.5 milli<span class=\"_ _1\"></span>on.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs63c\">Ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n ri<span class=\"_ _0\"></span>ght-of-us<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets rel<span class=\"_ _0\"></span>ated to the US S<span class=\"_ _0\"></span>an Fra<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>sco of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e had b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n sub<span class=\"_ _0\"></span>let u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er an o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e. Du<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs63d\">to a fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er wea<span class=\"_ _0\"></span>keni<span class=\"_ _0\"></span>ng of th<span class=\"_ _0\"></span>e Sa<span class=\"_ _0\"></span>n Franc<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>o co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al p<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y ma<span class=\"_ _0\"></span>rket, the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows o<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>ub<span class=\"_ _0\"></span>let no </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs63e\">lo<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>r su<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>rr<span class=\"_ _2\"></span>ying va<span class=\"_ _0\"></span>lue of t<span class=\"_ _0\"></span>he as<span class=\"_ _0\"></span>set. A<span class=\"_ _0\"></span>s a res<span class=\"_ _0\"></span>ult, a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent of \u00a31.<span class=\"_ _0\"></span>3 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on wa<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he prev<span class=\"_ _0\"></span>iou<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs63f\">year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs640\">Prop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, p<span class=\"_ _0\"></span>lant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>ment of \u00a30.1 mill<span class=\"_ _0\"></span>ion (2023: \u00a30.2 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) rel<span class=\"_ _0\"></span>ated to the US b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss was f<span class=\"_ _0\"></span>ull<span class=\"_ _0\"></span>y im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs641\">in th<span class=\"_ _0\"></span>e year.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3e ws3f gs642\">Lease liabilities<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs643\">Am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d on t<span class=\"_ _0\"></span>he ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et were as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span></div><div class=\"gs644\"><table class=\"s w35e hb5\" id=\"_644381ea-282f-4823-a490-0fd8573d5916\"><tr><td></td><td class=\"t m0 x539 h38 y2a19 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2a19 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2a1a ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a1a ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y2a1b ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a1b ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y288f w35f h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Curren<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x658 y2890 w360 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x659 y288f wda h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2d\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w361 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65a y282f we0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfd wsf6\">5.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65b y2830 wfd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">5.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w288 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lse2 wsdb\">To<span class=\"_ _2\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65c y27ec w362 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65d y27eb w363 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs645\">Amounts<span class=\"_ _1\"></span> recognised in<span class=\"_ _1\"></span> the stat<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> were a<span class=\"_ _1\"></span>s follo<span class=\"_ _1\"></span>ws:<span class=\"_ _2d6\"> </span></div><div class=\"gs646\"><table class=\"s w35e hb6\" id=\"_c0736c36-b487-449f-83ad-d02e866973c4\"><tr><td></td><td class=\"t m0 x539 h38 y2a1c ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2a1c ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2a1d ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a1d ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2a1e ff4 fs19 fc5 sc0 lscf wsc6\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h38 y2a1e ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a1e ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a1f w364 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">De<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e of ri<span class=\"_ _0\"></span>ght-<span class=\"_ _0\"></span>of-use a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets (p<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65e y2a20 w365 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65f y2a1f w33d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b1 w366 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gai<span class=\"_ _0\"></span>n on m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x660 y29b0 w367 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y29b1 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w368 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Intere<span class=\"_ _0\"></span>st exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e (in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>es)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x662 y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x536 y27eb w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs647\">The tota<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h out<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>low for l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es (ex<span class=\"_ _1\"></span>c<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g sh<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t-term a<span class=\"_ _0\"></span>nd low va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>ses) in 2024 was \u00a33.6 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a37<span class=\"_ _5\"></span>.2 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on). </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs648\">A matur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is il<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g the u<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unted c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows of l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>s inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>iqu<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ty </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs649\">ris<span class=\"_ _0\"></span>k dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re wit<span class=\"_ _0\"></span>hin n<span class=\"_ _0\"></span>ote 16.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs64a\">As at 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024, the potent<span class=\"_ _0\"></span>ial f<span class=\"_ _0\"></span>utur<span class=\"_ _0\"></span>e und<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>ounte<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h out<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>lows th<span class=\"_ _0\"></span>at have not be<span class=\"_ _0\"></span>en i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ded i<span class=\"_ _0\"></span>n the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs64b\">lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y du<span class=\"_ _0\"></span>e to lac<span class=\"_ _0\"></span>k of reaso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e cer<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nty th<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase ex<span class=\"_ _0\"></span>tensi<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns mi<span class=\"_ _0\"></span>ght be exerc<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d, am<span class=\"_ _0\"></span>ounte<span class=\"_ _0\"></span>d to \u00a38.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs64c\">(202<span class=\"_ _1\"></span>3: \u00a3n<span class=\"_ _0\"></span>il).<span class=\"_ _2d6\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-422": {
   "value": "The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ht-of-use as<span class=\"_ _0\"></span>sets w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es he<span class=\"_ _0\"></span>ld by th<span class=\"_ _0\"></span>e G<span class=\"_ _0\"></span>roup. I<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n ab<span class=\"_ _0\"></span>out l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es for whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up i<span class=\"_ _0\"></span>s a les<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>e is pre<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>nted be<span class=\"_ _0\"></span>low.<span class=\"_ _2d6\"> </span>Analysi<span class=\"_ _1\"></span>s of property<span class=\"_ _5\"></span>, plant and<span class=\"_ _1\"></span> equipment betw<span class=\"_ _1\"></span>een own<span class=\"_ _1\"></span>ed and leased<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span><table class=\"s w26f hb3\" id=\"_991fdb4b-b28a-4754-96f7-49ca3296e522\"><tr><td></td><td class=\"t m0 x24e h38 y2a00 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2a00 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2a01 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2a01 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2a02 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a02 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y288f w331 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Pro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty, plant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt (owne<span class=\"_ _0\"></span>d)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5df y2890 w83 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">2<span class=\"_ _0\"></span>.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5e0 y288f w69 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w332 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Right<span class=\"_ _1\"></span>-of-use a<span class=\"_ _1\"></span>ssets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5e1 y282f w333 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">6<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5cf y2830 w334 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x4d9 y27ec wa6 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">9.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5e2 y27eb wa7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5.0<span class=\"_ _2d6\"> </span></div></td></tr></table>Reconciliation of<span class=\"_ _1\"></span> amount recognised in the<span class=\"_ _1\"></span> balance sheet<span class=\"_ _2d6\"> </span><table class=\"s w335 hb4\" id=\"_8824d098-eda2-4131-9462-06d9dab54d0f\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x5e3 h35 y2a03 ff4 fs19 fc5 sc0 lse4 wsdd\">Right<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>of<span class=\"_ _1\"></span>-use<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x5e4 h35 y2a04 ff4 fs19 fc5 sc0 lse4 wsdd\">Leasehold<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e5 h35 y2a04 ff4 fs19 fc5 sc0 lsd1 wsc8\">Computer<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e6 h35 y2a04 ff4 fs19 fc5 sc0 ls10b ws104\">Furnitu<span class=\"_ _0\"></span>re and<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e7 h35 y2a04 ff4 fs19 fc5 sc0 ls141 ws13c\">asset<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x5e8 h35 y2a05 ff4 fs19 fc5 sc0 lsd1 wsc8\">improv<span class=\"_ _1\"></span>ements<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e9 h35 y2a05 ff4 fs19 fc5 sc0 lsd1 wsc8\">equipment<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ea h35 y2a05 ff4 fs19 fc5 sc0 ls10b ws104\">fix<span class=\"_ _0\"></span>tures<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5eb h35 y2a05 ff4 fs19 fc5 sc0 lscf wsc6\">(property)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ec h35 y2a05 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x5ed h35 y2a06 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ee h35 y2a06 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h35 y2a06 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h35 y2a06 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a06 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2a07 ff6 fs6 fc5 sc0 ls2 ws2\">Co<span class=\"_ _0\"></span>st </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a08 w2fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f0 y2a08 w336 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">5.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f1 y2a08 w24f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f2 y2a08 w257 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f3 y2a08 w337 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7f ws7b\">32<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f4 y2a08 w338 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">43<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a09 w304 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f5 y2a09 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f6 y2a09 w339 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f7 y2a09 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f8 y2a09 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f9 y2a09 w33a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a0b w33b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions</div><div class=\"t m0 x5fa h3b y2a0a ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5fb y2a0b w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5fc y2a0b w196 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5fd y2a0b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5fe y2a0b w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ff y2a0b w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a0c w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a0c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a0c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2a0c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x603 y2a0c w33c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x604 y2a0c w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a0d w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x605 y2a0d w22a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x498 y2a0d w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x606 y2a0d w33d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x607 y2a0d w33e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x608 y2a0d w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls89 ws85\">42.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a0e w308 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x609 y2a0e w336 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60a y2a0e w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60b y2a0e w294 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60c y2a0e w33e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60d y2a0e w340 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls89 ws85\">42.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a0f w304 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60e y2a0f w2a7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60f y2a0f w341 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x610 y2a0f w342 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x611 y2a0f w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(9.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x612 y2a0f w22f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(1<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a10 w343 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Lease<span class=\"_ _1\"></span> modific<span class=\"_ _0\"></span>ation<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a10 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a10 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2a10 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x613 y2a10 w344 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x614 y2a10 w345 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a12 w33b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions</div><div class=\"t m0 x5fa h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x615 y2a12 w346 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x616 y2a12 w272 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x617 y2a12 w20c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x618 y2a12 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x619 y2a12 wdf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2a13 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences and other<span class=\"_ _1\"></span> non-<span class=\"_ _0\"></span>cash </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y280f w347 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">move<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61a y280f w7e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(0<span class=\"_ _0\"></span>.4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61b y280f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61c y280f w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61d y280f w20c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f8 y280f w199 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a14 w348 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Derecognit<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> of di<span class=\"_ _1\"></span>scontinued ope<span class=\"_ _1\"></span>rations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61a y2a14 w231 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61e y2a14 w349 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61f y2a14 w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x620 y2a14 w34b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(10.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x621 y2a14 w34c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a15 w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x622 y2a15 w31 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17 ws16\">3.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x623 y2a15 w34d h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bd y2a15 w34e h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x624 y2a15 w34f h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls87 ws83\">18.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x625 y2a15 w350 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">24<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2a16 ff6 fs6 fc5 sc0 ls17 ws16\">Accumulated<span class=\"_ _1\"></span> depreciation <span class=\"_ _240\"> </span><span class=\"ff4 ls2 ws2\"> <span class=\"_ _67\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _67\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y287c w2fc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f0 y287c w127 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x626 y287c w351 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x627 y287c w352 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x628 y287c w353 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x629 y287c w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">33.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29f9 w304 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f5 y29f9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f6 y29f9 w339 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f7 y29f9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f8 y29f9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f9 y29f9 w33a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y281a w31a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62a y281a w196 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62b y281a w354 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62c y281a w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62d y281a w355 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62e y281a wb7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">4.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fa w31e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Impairment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62f y29fa w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x630 y29fa w20c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f2 y29fa w30c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x631 y29fa w18d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54c y29fa w2d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a17 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x632 y2a17 w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x633 y2a17 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x634 y2a17 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x635 y2a17 w1ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x636 y2a17 w319 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y281e w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x605 y281e w356 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x637 y281e w69 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x638 y281e w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x607 y281e w357 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">29.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x639 y281e w358 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2d\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2887 w308 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x609 y2887 w265 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63a y2887 w69 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63b y2887 w20e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63c y2887 w357 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">29.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63d y2887 w358 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2d\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29fd w304 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Disposals<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60e y29fd w2a7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x60f y29fd w341 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x610 y29fd w342 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x611 y29fd w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(9.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x612 y29fd w22f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(1<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2889 w31a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63e y2889 w126 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x63f y2889 w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x640 y2889 w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x641 y2889 w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x642 y2889 w127 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y288b w31e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Impairment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x62f y288b w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x630 y288b w20c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x643 y288b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x644 y288b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x645 y288b w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2957 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2957 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2957 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2957 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x646 y2957 w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x647 y2957 w1b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2966 w348 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Derecognit<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> of di<span class=\"_ _1\"></span>scontinued ope<span class=\"_ _1\"></span>rations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61a y2966 w231 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61e y2966 w349 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x61f y2966 w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x648 y2966 w65 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(9.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x649 y2966 w359 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(<span class=\"_ _0\"></span>11.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2967 w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64a y2967 w35a h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64b y2967 w30d h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">1<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64c y2967 wb7 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64d y2967 w35b h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf5 wsee\">11<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64e y2967 w35c h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls8a ws86\">14<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y2a18 ff6 fs6 fc5 sc0 lsd5 wscc\">Carrying amoun<span class=\"_ _1\"></span>t<span class=\"_ _243\"> </span><span class=\"ff2 fc3 ls2 ws2\"> <span class=\"_ _10b\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _10b\"> </span> <span class=\"_ _10b\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29ff w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x64f y29ff w293 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x650 y29ff wb7 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x651 y29ff wea h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x652 y29ff w35d h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">6.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x653 y29ff wa6 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">9.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x654 y27eb w19b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x498 y27eb w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x655 y27eb w20c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x656 y27eb w334 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x657 y27eb wa7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5.0<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span> Lea<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>rove<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d ri<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>ht-of-u<span class=\"_ _0\"></span>se a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>et a<span class=\"_ _0\"></span>dd<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s in t<span class=\"_ _0\"></span>he ye<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>r ar<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h in n<span class=\"_ _0\"></span>atu<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>In Feb<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y 2024, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p sig<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d an am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>dme<span class=\"_ _0\"></span>nt to sho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ten th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se ter<span class=\"_ _0\"></span>m on o<span class=\"_ _0\"></span>ne of th<span class=\"_ _0\"></span>e UK of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ice f<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>s to 30 Ju<span class=\"_ _0\"></span>ne 2024 and ex<span class=\"_ _0\"></span>tend t<span class=\"_ _0\"></span>he ter<span class=\"_ _0\"></span>m on th<span class=\"_ _0\"></span>e othe<span class=\"_ _0\"></span>r fl<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. Th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of th<span class=\"_ _0\"></span>e leas<span class=\"_ _0\"></span>e wh<span class=\"_ _0\"></span>ich wa<span class=\"_ _0\"></span>s sho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ten<span class=\"_ _0\"></span>ed res<span class=\"_ _0\"></span>ulte<span class=\"_ _0\"></span>d in a net m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n gai<span class=\"_ _0\"></span>n of \u00a30.4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (wi<span class=\"_ _0\"></span>th a \u00a31.1 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n redu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n leas<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty a<span class=\"_ _0\"></span>nd \u00a30.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n redu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n ri<span class=\"_ _0\"></span>ght-\u200aof<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>use as<span class=\"_ _0\"></span>set), and t<span class=\"_ _0\"></span>he le<span class=\"_ _0\"></span>ase l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d rig<span class=\"_ _0\"></span>ht of use a<span class=\"_ _0\"></span>sset n<span class=\"_ _0\"></span>et of acc<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ulated d<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>iati<span class=\"_ _0\"></span>on were d<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed at 30 Ju<span class=\"_ _0\"></span>ne 2024. The ex<span class=\"_ _0\"></span>tensi<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e term o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e othe<span class=\"_ _0\"></span>r fl<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>r resu<span class=\"_ _0\"></span>lted i<span class=\"_ _0\"></span>n an i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase to th<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>se li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty of \u00a36.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n and r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ht of use a<span class=\"_ _0\"></span>sset of \u00a36.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on b<span class=\"_ _0\"></span>efore dep<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>iati<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>. Lease<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>ld im<span class=\"_ _0\"></span>provem<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>ddi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iated wi<span class=\"_ _0\"></span>th re<span class=\"_ _0\"></span>-fi<span class=\"_ _0\"></span>tt<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the r<span class=\"_ _1\"></span>etained<span class=\"_ _1\"></span> floor t<span class=\"_ _1\"></span>otalled \u00a3<span class=\"_ _1\"></span>1.5 milli<span class=\"_ _1\"></span>on.<span class=\"_ _2d6\"> </span>Ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n ri<span class=\"_ _0\"></span>ght-of-us<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets rel<span class=\"_ _0\"></span>ated to the US S<span class=\"_ _0\"></span>an Fra<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>sco of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e had b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n sub<span class=\"_ _0\"></span>let u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er an o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e. Du<span class=\"_ _0\"></span>e to a fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er wea<span class=\"_ _0\"></span>keni<span class=\"_ _0\"></span>ng of th<span class=\"_ _0\"></span>e Sa<span class=\"_ _0\"></span>n Franc<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>o co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>erci<span class=\"_ _0\"></span>al p<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y ma<span class=\"_ _0\"></span>rket, the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows o<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>ub<span class=\"_ _0\"></span>let no lo<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>r su<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>rr<span class=\"_ _2\"></span>ying va<span class=\"_ _0\"></span>lue of t<span class=\"_ _0\"></span>he as<span class=\"_ _0\"></span>set. A<span class=\"_ _0\"></span>s a res<span class=\"_ _0\"></span>ult, a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent of \u00a31.<span class=\"_ _0\"></span>3 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on wa<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he prev<span class=\"_ _0\"></span>iou<span class=\"_ _0\"></span>s year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023.<span class=\"_ _2d6\"> </span>Prop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, p<span class=\"_ _0\"></span>lant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>ment of \u00a30.1 mill<span class=\"_ _0\"></span>ion (2023: \u00a30.2 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) rel<span class=\"_ _0\"></span>ated to the US b<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss was f<span class=\"_ _0\"></span>ull<span class=\"_ _0\"></span>y im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>red in th<span class=\"_ _0\"></span>e year.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfQuantitativeInformationAboutRightofuseAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-423": {
   "value": "Lease liabilities<span class=\"_ _2d6\"> </span>Am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d on t<span class=\"_ _0\"></span>he ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et were as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w35e hb5\" id=\"_644381ea-282f-4823-a490-0fd8573d5916\"><tr><td></td><td class=\"t m0 x539 h38 y2a19 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2a19 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2a1a ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a1a ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y2a1b ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a1b ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y288f w35f h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Curren<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x658 y2890 w360 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x659 y288f wda h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2d\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w361 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65a y282f we0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfd wsf6\">5.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65b y2830 wfd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">5.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w288 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lse2 wsdb\">To<span class=\"_ _2\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65c y27ec w362 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65d y27eb w363 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _2d6\"> </span></div></td></tr></table>Amounts<span class=\"_ _1\"></span> recognised in<span class=\"_ _1\"></span> the stat<span class=\"_ _1\"></span>ement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> were a<span class=\"_ _1\"></span>s follo<span class=\"_ _1\"></span>ws:<span class=\"_ _2d6\"> </span><table class=\"s w35e hb6\" id=\"_c0736c36-b487-449f-83ad-d02e866973c4\"><tr><td></td><td class=\"t m0 x539 h38 y2a1c ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2a1c ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2a1d ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a1d ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2a1e ff4 fs19 fc5 sc0 lscf wsc6\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h38 y2a1e ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a1e ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a1f w364 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">De<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e of ri<span class=\"_ _0\"></span>ght-<span class=\"_ _0\"></span>of-use a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets (p<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65e y2a20 w365 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65f y2a1f w33d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b1 w366 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gai<span class=\"_ _0\"></span>n on m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x660 y29b0 w367 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y29b1 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w368 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Intere<span class=\"_ _0\"></span>st exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>e (in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>es)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x662 y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x536 y27eb w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr></table>The tota<span class=\"_ _0\"></span>l cas<span class=\"_ _0\"></span>h out<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>low for l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es (ex<span class=\"_ _1\"></span>c<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g sh<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t-term a<span class=\"_ _0\"></span>nd low va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e lea<span class=\"_ _0\"></span>ses) in 2024 was \u00a33.6 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a37<span class=\"_ _5\"></span>.2 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on). A matur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is il<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g the u<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unted c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows of l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>s inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>iqu<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ty ris<span class=\"_ _0\"></span>k dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re wit<span class=\"_ _0\"></span>hin n<span class=\"_ _0\"></span>ote 16.<span class=\"_ _2d6\"> </span>As at 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024, the potent<span class=\"_ _0\"></span>ial f<span class=\"_ _0\"></span>utur<span class=\"_ _0\"></span>e und<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>ounte<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h out<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>lows th<span class=\"_ _0\"></span>at have not be<span class=\"_ _0\"></span>en i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ded i<span class=\"_ _0\"></span>n the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y du<span class=\"_ _0\"></span>e to lac<span class=\"_ _0\"></span>k of reaso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e cer<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nty th<span class=\"_ _0\"></span>e le<span class=\"_ _0\"></span>ase ex<span class=\"_ _0\"></span>tensi<span class=\"_ _0\"></span>on o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns mi<span class=\"_ _0\"></span>ght be exerc<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d, am<span class=\"_ _0\"></span>ounte<span class=\"_ _0\"></span>d to \u00a38.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (202<span class=\"_ _1\"></span>3: \u00a3n<span class=\"_ _0\"></span>il).<span class=\"_ _2d6\"> </span><div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2f ws30 gs86d\">23.<span class=\"_ _1\"></span> Operating<span class=\"_ _1\"></span> lease<span class=\"_ _1\"></span> arrangement<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs86e\">As di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ed in n<span class=\"_ _0\"></span>otes 1 an<span class=\"_ _0\"></span>d 11<span class=\"_ _1\"></span>, l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es of low va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e items o<span class=\"_ _0\"></span>r sh<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t-term l<span class=\"_ _0\"></span>ease<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue to be t<span class=\"_ _0\"></span>reated as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs86f\">operating leases<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"gs870\"><table class=\"s w35e hd9\" id=\"_402fb87b-e461-4aee-b12b-aaab442e0138\"><tr><td></td><td class=\"t m0 x539 h38 y2b80 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2b80 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2b81 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2b81 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y2b82 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2b82 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c x1c5 y27eb w5b3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Lease p<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ents u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>n expe<span class=\"_ _0\"></span>nse i<span class=\"_ _0\"></span>n the ye<span class=\"_ _0\"></span>ar</div><div class=\"t m0 xaf2 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf3 y27ec w1f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf4 y27eb we7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h6f ff4 fs5 fc5 sc0 ls2 ws2 gs871\">1. Th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>ive l<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ase e<span class=\"_ _0\"></span>xp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>se re<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>tes to d<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs872\">At the ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et date, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p had o<span class=\"_ _0\"></span>uts<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>tme<span class=\"_ _0\"></span>nts for fu<span class=\"_ _0\"></span>ture m<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>mu<span class=\"_ _0\"></span>m lea<span class=\"_ _0\"></span>se paym<span class=\"_ _0\"></span>ents u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er no<span class=\"_ _0\"></span>n-<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs873\">ca<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g le<span class=\"_ _0\"></span>ases of \u00a30.1 mill<span class=\"_ _0\"></span>ion (2023: \u00a30.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on). </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs874\">Op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g lea<span class=\"_ _0\"></span>se paym<span class=\"_ _0\"></span>ents re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sent p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts for le<span class=\"_ _0\"></span>ase as<span class=\"_ _0\"></span>sets t<span class=\"_ _0\"></span>hat are i<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>vid<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>lly c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red l<span class=\"_ _0\"></span>ow val<span class=\"_ _0\"></span>ue.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-391": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs64e\">12. S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div><div class=\"gs64f\"><table class=\"s w26f hb7\" id=\"_86af363c-3ad7-474d-a571-e85d29096329\"><tr><td></td><td class=\"t m0 x24e h38 y2a21 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2a21 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2a22 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2a22 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2a23 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a23 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2a24 ff6 fs6 fc5 sc0 ls13 ws12\">Non-current<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a25 w369 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s \u2013 amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x663 y2a26 wb0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x664 y2a25 wb1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2960 w36a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts \u2013 F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TP<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x665 y2961 wad h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x666 y2960 w36b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">25.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a27 w36c h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">T<span class=\"_ _5\"></span>otal non-current<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x667 y2a27 w36d h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">19.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x668 y2a28 w36e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">30.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y2a29 ff6 fs6 fc5 sc0 ls13 ws12\">Current<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2829 w369 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s \u2013 amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x669 y282a wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x66a y2829 w14b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y282b w36f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it \u2013 am<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>tise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t</div><div class=\"t m0 x66b h3b y27a6 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x66c y282c w370 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x66d y282b w371 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282d w372 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s \u2013 FV<span class=\"_ _2\"></span>TPL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x66e y282e wbb h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x66f y282d wbc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">18<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282f w373 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal curren<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x670 y282f w374 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">99.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x671 y2830 w316 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">69.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w288 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lse2 wsdb\">To<span class=\"_ _2\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x672 y27ec w375 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">118<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x673 y27eb w376 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">100.5<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs650\">1. <span class=\"_ _1f\"> </span>In<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in L<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>s of c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ar<span class=\"_ _0\"></span>e \u00a37<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>2 mi<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on r<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>ed to C<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>hb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ca<span class=\"_ _0\"></span>rd b<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es n<span class=\"_ _0\"></span>et o<span class=\"_ _0\"></span>f ECL i<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2f ws30 gs668\">16.<span class=\"_ _1\"></span> Financial<span class=\"_ _1\"></span> risk man<span class=\"_ _1\"></span>agement </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs669\">The B<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>rd of Di<span class=\"_ _0\"></span>rector<span class=\"_ _0\"></span>s has over<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>l resp<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty fo<span class=\"_ _0\"></span>r the es<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>hm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>nd overs<span class=\"_ _0\"></span>ight of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ri<span class=\"_ _0\"></span>sk </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs66a\">management<span class=\"_ _1\"></span> framework. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs66b\">The r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k man<span class=\"_ _0\"></span>age<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt po<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>cies a<span class=\"_ _0\"></span>re est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>d to ident<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d ana<span class=\"_ _0\"></span>lyse t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isks fa<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, to set app<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>riate </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs66c\">ris<span class=\"_ _0\"></span>k li<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d cont<span class=\"_ _0\"></span>rols a<span class=\"_ _0\"></span>nd to mo<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tor ris<span class=\"_ _0\"></span>ks an<span class=\"_ _0\"></span>d ens<span class=\"_ _0\"></span>ure a<span class=\"_ _0\"></span>ny lim<span class=\"_ _0\"></span>its a<span class=\"_ _0\"></span>re adh<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d to. The G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are revi<span class=\"_ _0\"></span>ewed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs66d\">reg<span class=\"_ _0\"></span>ula<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d potenti<span class=\"_ _0\"></span>al r<span class=\"_ _0\"></span>isks a<span class=\"_ _0\"></span>re co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d. </div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls8d wsaa gs66e\">Ri<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>k fa<span class=\"_ _0\"></span>cto<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs66f\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to the fol<span class=\"_ _0\"></span>lowi<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>isks f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>ts use of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs670\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">credit risk;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs671\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">liquidity risk; and</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs672\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">ma<span class=\"_ _0\"></span>rket r<span class=\"_ _0\"></span>isk (i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g forei<span class=\"_ _0\"></span>gn excha<span class=\"_ _0\"></span>nge r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k, inter<span class=\"_ _0\"></span>est rate r<span class=\"_ _0\"></span>isk a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk).<span class=\"_ _2d6\"> </span></span></span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs674\">Principal<span class=\"_ _1\"></span> financial instrumen<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs675\">The p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents u<span class=\"_ _0\"></span>sed by th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup, fro<span class=\"_ _0\"></span>m whi<span class=\"_ _0\"></span>ch f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l inst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ris<span class=\"_ _0\"></span>k ar<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s, are as fo<span class=\"_ _0\"></span>llows<span class=\"_ _0\"></span>:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs676\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 ls75 ws4c\">SME loans<span class=\"_ _1\"></span>;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs677\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsb wsa\">investments in trusts and co-investment<span class=\"_ _1\"></span>s;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs678\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs679\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">tr<span class=\"_ _0\"></span>ad<span class=\"_ _0\"></span>e and ot<span class=\"_ _0\"></span>her r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs67a\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">cash and cash<span class=\"_ _1\"></span> equivalents<span class=\"_ _1\"></span>;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs67b\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">tr<span class=\"_ _0\"></span>ad<span class=\"_ _0\"></span>e and ot<span class=\"_ _0\"></span>her p<span class=\"_ _0\"></span>ayabl<span class=\"_ _0\"></span>es;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs67c\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lse wsd\">b<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>k bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs;</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs67d\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsb wsa\">lease liab<span class=\"_ _0\"></span>ilities; and</span></span></div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs67e\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">loan repurch<span class=\"_ _1\"></span>ase liabilities.<span class=\"_ _2d6\"> </span></span></span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsa ws9 gs67f\">Cat<span class=\"_ _1\"></span>egorisation o<span class=\"_ _1\"></span>f financial ass<span class=\"_ _1\"></span>ets and<span class=\"_ _1\"></span> financial liabilitie<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs680\">The t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>es s<span class=\"_ _0\"></span>how th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts of f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s and f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ties by c<span class=\"_ _0\"></span>atego<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y of f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs681\">at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4:<span class=\"_ _2d6\"> </span></div><div class=\"gs682\"><table class=\"s w3a2 hbb\" id=\"_b42783a4-a7b1-4f1b-8c82-ed430b3ebef5\"><tr><td></td><td></td><td></td><td class=\"c n x6bb y2a43 w3a3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2<span class=\"_ _0\"></span>024<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x6bc y2a43 w3a4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">31 D<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2<span class=\"_ _0\"></span>023<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x6bd h38 y2a44 ff2 fs19 fc3 sc0 lse5 wsde\">Fair<span class=\"_ _1\"></span> value<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x6be h35 y2a44 ff4 fs19 fc5 sc0 lsf3 wsec\">Fai<span class=\"_ _0\"></span>r va<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6bf h38 y2a45 ff2 fs19 fc3 sc0 ls144 ws13f\">through<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x6c0 h35 y2a45 ff4 fs19 fc5 sc0 lsd1 wsc8\">through</td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6c1 h38 y2a46 ff2 fs19 fc3 sc0 ls101 wsfa\"> profit<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c2 h38 y2a46 ff2 fs19 fc3 sc0 lse4 wsdd\" colspan=\"2\">Amortised</td><td></td><td class=\"t m0 x5e6 h35 y2a46 ff4 fs19 fc5 sc0 ls152 ws150\"> prof<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h35 y2a46 ff4 fs19 fc5 sc0 lsf1 wsea\" colspan=\"2\">Amor<span class=\"_ _0\"></span>tised<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x6bf h38 y2a47 ff2 fs19 fc3 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>ss<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c3 h38 y2a47 ff2 fs19 fc3 sc0 ls101 wsfa\">cost<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c4 h38 y2a47 ff2 fs19 fc3 sc0 ls159 ws157\">Other<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c5 h38 y2a47 ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c6 h35 y2a47 ff4 fs19 fc5 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>ss<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c7 h35 y2a47 ff4 fs19 fc5 sc0 ls3e ws3f\">cost<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c8 h35 y2a47 ff4 fs19 fc5 sc0 lsf1 wsea\">Other<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ec h35 y2a47 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x6c9 h38 y2a48 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6ca h38 y2a48 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6cb h38 y2a48 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6cc h38 y2a48 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6cd h35 y2a48 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24e h35 y2a48 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6ce h35 y2a48 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a48 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2a49 ff6 fs6 fc5 sc0 ls1e ws26\">Assets<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x256 hd y2a4a ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tise<span class=\"_ _0\"></span>d </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y281a w3a5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">cost<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6cf y2819 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d0 y2819 w3a6 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d1 y2819 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d2 y2819 w3a7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d3 y281a w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d4 y281a w30d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d5 y281a w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d6 y281a w30d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a4b w3a8 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">thr<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d7 y2a4c w3a9 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d8 y2a4c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d9 y2a4c w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6da y2a4c wbb h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6db y2a4b wbc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6dc y2a4b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6dd y2a4b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5bb y2a4b wbc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a4d wbd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6de y2a4e w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6df y2a4e w370 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e0 y2a4e w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e1 y2a4e w370 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e2 y2a4d w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e3 y2a4d w371 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e4 y2a4d w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e5 y2a4d wbf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5<span class=\"_ _0\"></span>0.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2887 w3aa h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">co-i<span class=\"_ _0\"></span>nv<span class=\"_ _1\"></span>estments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e6 y2888 wad h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e7 y2888 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e8 y2888 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e9 y2888 wad h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ea y2887 w36b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25<span class=\"_ _0\"></span>.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6eb y2887 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ec y2887 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ed y2887 w36b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2823 wb2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ee y2822 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ef y2822 w3ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f0 y2822 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f1 y2822 w3ac h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">11.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f2 y2823 w328 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f3 y2823 w3ad h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _0\"></span>.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f4 y2823 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f5 y2823 w27b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">12<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2889 wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f6 y288a w3ae h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">136.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f7 y288a w3af h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">51.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f8 y288a w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f9 y288a wc5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6fa y2889 w3b0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6fb y2889 w3b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">71.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6fc y2889 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6fd y2889 w3b2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">221.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x6fe y2826 w3b3 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">155.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ff y2826 w3b4 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls9 ws8\">161.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x700 y2826 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x701 y2826 w3b5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">3<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x702 y2825 w3b6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">194.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x703 y2825 w3b4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x704 y2825 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x705 y2825 w3b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">333.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y2a4f ff6 fs6 fc5 sc0 ls17 ws16\">Liabilities<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29d4 wcc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er paya<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x706 y29d5 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x707 y29d5 w3b8 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x708 y29d5 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x709 y29d5 w367 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70a y29d4 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70b y29d4 w3b9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70c y29d4 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70d y29d4 w3b9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>0)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w3ba h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Loan<span class=\"_ _1\"></span> repurchas<span class=\"_ _1\"></span>e liability<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70e y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70f y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x710 y27e6 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x711 y27e6 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x712 y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x713 y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x714 y27e5 w2ab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x715 y27e5 w2ab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _2\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y288f wd0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x716 y2890 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x717 y2890 w3bb h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(<span class=\"_ _0\"></span>101<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x718 y2890 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x719 y2890 w3bc h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1<span class=\"_ _0\"></span>01<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71a y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71b y288f w15d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71c y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71d y288f w3bd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 wd8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71e y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71f y282f w3be h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x720 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x721 y282f w3bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x722 y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x723 y2830 w3c0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">(12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x724 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x725 y2830 w23a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">(12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x726 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x727 y27ec w3c1 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2d\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x728 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x729 y27ec w3c1 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2d\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x72a y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x72b y27eb w3c2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>4.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x72c y27eb w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x72d y27eb w3c3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1<span class=\"_ _0\"></span>04.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs683\">Financial<span class=\"_ _1\"></span> instruments<span class=\"_ _1\"></span> measured a<span class=\"_ _1\"></span>t amortised cos<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs684\">Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l inst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t, rath<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>an fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue, i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts, tr<span class=\"_ _0\"></span>ade a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs685\">othe<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eivab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>es, S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t, Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t, ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs, l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>nd tr<span class=\"_ _0\"></span>ad<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs686\">and ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r payabl<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>. Du<span class=\"_ _0\"></span>e to thei<span class=\"_ _0\"></span>r natu<span class=\"_ _0\"></span>re, the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng val<span class=\"_ _0\"></span>ue of ea<span class=\"_ _0\"></span>ch of t<span class=\"_ _0\"></span>he ab<span class=\"_ _0\"></span>ove fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts ap<span class=\"_ _0\"></span>proxim<span class=\"_ _0\"></span>ates to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs687\">the<span class=\"_ _0\"></span>ir fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs689\">Other financial<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs68a\">Loan re<span class=\"_ _0\"></span>pur<span class=\"_ _0\"></span>chas<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ties a<span class=\"_ _0\"></span>re me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red at th<span class=\"_ _0\"></span>e am<span class=\"_ _0\"></span>ount of l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owan<span class=\"_ _0\"></span>ce deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d und<span class=\"_ _0\"></span>er I<span class=\"_ _0\"></span>FRS 9.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs68b\">Financial<span class=\"_ _1\"></span> instruments<span class=\"_ _1\"></span> measured a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs68c\">IFR<span class=\"_ _0\"></span>S 13 requi<span class=\"_ _0\"></span>res ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>res wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h req<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>e the c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>ssets a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ured </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs68d\">at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e usi<span class=\"_ _0\"></span>ng a fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue h<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>rarc<span class=\"_ _0\"></span>hy that ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e sig<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nce of t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts use<span class=\"_ _0\"></span>d in m<span class=\"_ _0\"></span>ak<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs68e\">measur<span class=\"_ _1\"></span>ement. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs68f\">Dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re of fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>reme<span class=\"_ _0\"></span>nts by level i<span class=\"_ _0\"></span>s acc<span class=\"_ _0\"></span>ord<span class=\"_ _0\"></span>ing to th<span class=\"_ _0\"></span>e foll<span class=\"_ _0\"></span>owi<span class=\"_ _0\"></span>ng fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent hi<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>archy:</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs690\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 1 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are qu<span class=\"_ _0\"></span>oted pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>es (una<span class=\"_ _0\"></span>dju<span class=\"_ _0\"></span>sted) in a<span class=\"_ _0\"></span>ctive m<span class=\"_ _0\"></span>arkets for i<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ntic<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e entit<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>an </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs691\">access a<span class=\"_ _1\"></span>t the mea<span class=\"_ _1\"></span>surement<span class=\"_ _1\"></span> date<span class=\"_ _1\"></span>;</div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs692\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 2 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts oth<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>an qu<span class=\"_ _0\"></span>oted pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>es in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n level 1 t<span class=\"_ _0\"></span>hat are o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets or </span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs693\">lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies, e<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>er di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tly o<span class=\"_ _0\"></span>r in<span class=\"_ _0\"></span>dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y; an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc2 sc0 ls2 ws2 gs694\"> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 3 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are un<span class=\"_ _0\"></span>obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e inp<span class=\"_ _0\"></span>uts fo<span class=\"_ _0\"></span>r the as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></span></span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs695\">The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>nts th<span class=\"_ _0\"></span>at are not t<span class=\"_ _0\"></span>rad<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n an ac<span class=\"_ _0\"></span>tive ma<span class=\"_ _0\"></span>rket (for examp<span class=\"_ _0\"></span>le, invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns) </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs696\">is deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned by u<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on tec<span class=\"_ _0\"></span>hni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on tec<span class=\"_ _0\"></span>hni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>es ma<span class=\"_ _0\"></span>xim<span class=\"_ _0\"></span>ise th<span class=\"_ _0\"></span>e us<span class=\"_ _0\"></span>e of obse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le m<span class=\"_ _0\"></span>arket data </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs697\">whe<span class=\"_ _0\"></span>re it is ava<span class=\"_ _0\"></span>ila<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d rely a<span class=\"_ _0\"></span>s lit<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>e as p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e on e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y-s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>ic e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates. If a<span class=\"_ _0\"></span>ll s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red to fai<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs698\">valu<span class=\"_ _0\"></span>e an i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ment a<span class=\"_ _0\"></span>re obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le, t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent is i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n level 2. I<span class=\"_ _0\"></span>f one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re of th<span class=\"_ _0\"></span>e sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>uts a<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs699\">not ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e mar<span class=\"_ _0\"></span>ket data, th<span class=\"_ _0\"></span>e ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt is in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d in l<span class=\"_ _0\"></span>evel 3. A<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sme<span class=\"_ _0\"></span>nt that t<span class=\"_ _0\"></span>he leve<span class=\"_ _0\"></span>l app<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs69a\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ate and wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r a tr<span class=\"_ _0\"></span>ansfer b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ween l<span class=\"_ _0\"></span>evels i<span class=\"_ _0\"></span>s req<span class=\"_ _0\"></span>uire<span class=\"_ _0\"></span>d is u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>ken at the e<span class=\"_ _0\"></span>nd of ea<span class=\"_ _0\"></span>ch </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs69b\">acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>ere we<span class=\"_ _0\"></span>re no tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>fers b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en l<span class=\"_ _0\"></span>evels du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year o<span class=\"_ _0\"></span>r pr<span class=\"_ _0\"></span>ior yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs69c\">The F<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nce d<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>tm<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rms t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>ons of i<span class=\"_ _0\"></span>tems re<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>red fo<span class=\"_ _0\"></span>r fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting p<span class=\"_ _0\"></span>urp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>es, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws123 gs69d\">inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng leve<span class=\"_ _0\"></span>l 3 fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>his tea<span class=\"_ _0\"></span>m rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ts to th<span class=\"_ _0\"></span>e Chi<span class=\"_ _0\"></span>ef Fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l Of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er (<span class=\"_ _0\"></span>\u201cC<span class=\"_ _0\"></span>FO\u201d<span class=\"_ _0\"></span>). Dis<span class=\"_ _0\"></span>cus<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns of val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>es </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs69e\">and r<span class=\"_ _0\"></span>esu<span class=\"_ _0\"></span>lts ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d reg<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ly at Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce S<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et Ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>nd Valu<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n Co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tees al<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g wit<span class=\"_ _0\"></span>h </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs69f\">reg<span class=\"_ _0\"></span>ula<span class=\"_ _0\"></span>r up<span class=\"_ _0\"></span>dates provi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d to the Au<span class=\"_ _0\"></span>dit C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>tee.<span class=\"_ _2d6\"> </span></div><div class=\"gs6a0\"><table class=\"s w3c4 hbc\" id=\"_42cb03b4-357e-4d4e-9911-ae08246ba0e3\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x72e h35 y2a50 ff4 fs19 fc5 sc0 lsd1 wsc8\">Fair<span class=\"_ _1\"></span> value meas<span class=\"_ _1\"></span>urement using<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x72f y2a51 w3a3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2<span class=\"_ _0\"></span>024<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td class=\"c n x730 y2a51 w3c5 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x731 h38 y2a52 ff2 fs19 fc3 sc0 ls2 ws2\">Qu<span class=\"_ _0\"></span>ote<span class=\"_ _0\"></span>d </td><td></td><td></td><td class=\"t m0 x732 h35 y2a52 ff4 fs19 fc5 sc0 lscf wsc6\">Quot<span class=\"_ _1\"></span>ed </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x733 h38 y2a53 ff2 fs19 fc3 sc0 lse4 wsdd\">prices<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x734 h38 y2a53 ff2 fs19 fc3 sc0 lsd1 wsc8\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x735 h38 y2a53 ff2 fs19 fc3 sc0 lsd1 wsc8\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x420 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">prices<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x736 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x737 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">Significant<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x377 h38 y2a54 ff2 fs19 fc3 sc0 ls2 ws2\">in a<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ive </td><td class=\"t m0 x734 h38 y2a54 ff2 fs19 fc3 sc0 ls120 ws118\">observable<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x738 h38 y2a54 ff2 fs19 fc3 sc0 ls120 ws118\">unobserva<span class=\"_ _1\"></span>ble<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x739 h35 y2a54 ff4 fs19 fc5 sc0 ls2 ws2\">in a<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ive </td><td class=\"t m0 x73a h35 y2a54 ff4 fs19 fc5 sc0 ls141 ws13c\">obse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37e h35 y2a54 ff4 fs19 fc5 sc0 ls141 ws13c\">uno<span class=\"_ _0\"></span>bser<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x377 h38 y2a55 ff2 fs19 fc3 sc0 ls14e ws14b\">ma<span class=\"_ _0\"></span>rke<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73b h38 y2a55 ff2 fs19 fc3 sc0 ls3e ws3f\">inpu<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73c h38 y2a55 ff2 fs19 fc3 sc0 ls3e ws3f\">inpu<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4f9 h35 y2a55 ff4 fs19 fc5 sc0 ls10a ws103\">ma<span class=\"_ _0\"></span>rke<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2a8 h35 y2a55 ff4 fs19 fc5 sc0 lsd1 wsc8\">inputs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d h35 y2a55 ff4 fs19 fc5 sc0 lsd1 wsc8\">inputs<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x73e h38 y2a56 ff2 fs19 fc3 sc0 ls108 ws101\">(l<span class=\"_ _0\"></span>eve<span class=\"_ _0\"></span>l 1)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73f h38 y2a56 ff2 fs19 fc3 sc0 ls2 ws2\">(l<span class=\"_ _0\"></span>evel 2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x740 h38 y2a56 ff2 fs19 fc3 sc0 ls106 wsff\">(l<span class=\"_ _0\"></span>evel 3)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x732 h35 y2a56 ff4 fs19 fc5 sc0 lsdb wsd2\">(l<span class=\"_ _0\"></span>eve<span class=\"_ _0\"></span>l 1)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h35 y2a56 ff4 fs19 fc5 sc0 ls10a ws103\">(l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span> 2)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4e4 h35 y2a56 ff4 fs19 fc5 sc0 ls108 ws101\">(l<span class=\"_ _0\"></span>evel 3)<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x378 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x741 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x742 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x743 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x744 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2a58 ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y2a59 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h pr<span class=\"_ _0\"></span>ofi<span class=\"_ _0\"></span>t </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2905 w3c6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">and loss<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x745 y2906 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x746 y2906 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x747 y2906 w3c7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x748 y2905 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x749 y2905 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74a y2905 wbc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 wb2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74b y27e6 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74c y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74d y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74e y27e5 w3c8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74f y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x750 y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 wab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x751 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x752 y27e8 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x753 y27e8 wad h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x754 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x755 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x756 y27e7 w3c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x757 y282f w174 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">13<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74c y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74d y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x758 y2830 w155 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x759 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54e y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x75a y27ec w3ca h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">136<span class=\"_ _0\"></span>.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75b y27ec w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75c y27ec w28e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">19.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75d y27eb w3cb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">15<span class=\"_ _0\"></span>0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75e y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75f y27eb w3cc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">43.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6a1\">The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of a<span class=\"_ _0\"></span>ll S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated by dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng fu<span class=\"_ _0\"></span>ture c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows of t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>ans </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6a2\">usi<span class=\"_ _0\"></span>ng di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt r<span class=\"_ _0\"></span>ates that refl<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>t the c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>s in ma<span class=\"_ _0\"></span>rket intere<span class=\"_ _0\"></span>st rates a<span class=\"_ _0\"></span>nd ob<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span>d mar<span class=\"_ _0\"></span>ket con<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns at the re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6a3\">date. The e<span class=\"_ _0\"></span>stim<span class=\"_ _0\"></span>ated fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>rr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>ss was </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6a4\">\u00a31.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 (<span class=\"_ _1\"></span>2023: \u00a318.6 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6a5\">Investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sents t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er veh<span class=\"_ _0\"></span>icl<span class=\"_ _0\"></span>es u<span class=\"_ _0\"></span>sed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6a6\">to fund C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS, R<span class=\"_ _0\"></span>LS, G<span class=\"_ _0\"></span>GS an<span class=\"_ _0\"></span>d ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>mme<span class=\"_ _0\"></span>rci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>s mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6a7\">gover<span class=\"_ _0\"></span>nme<span class=\"_ _0\"></span>nt-owne<span class=\"_ _0\"></span>d B<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>ish B<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss B<span class=\"_ _0\"></span>ank w<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l gua<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ntee up to 80% of th<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce of C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans i<span class=\"_ _0\"></span>n the event of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6a8\">(and b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en 70% an<span class=\"_ _0\"></span>d 80% of R<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd 70% for GG<span class=\"_ _0\"></span>S lo<span class=\"_ _0\"></span>ans). The esti<span class=\"_ _0\"></span>mated fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6a9\">investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents wa<span class=\"_ _0\"></span>s \u00a317<span class=\"_ _5\"></span>.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024 (202<span class=\"_ _1\"></span>3: \u00a325.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6aa\">The m<span class=\"_ _0\"></span>ost re<span class=\"_ _0\"></span>levant s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant u<span class=\"_ _0\"></span>nobs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e inp<span class=\"_ _0\"></span>uts re<span class=\"_ _0\"></span>late to the d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t rate esti<span class=\"_ _0\"></span>mate an<span class=\"_ _0\"></span>d dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt rates ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d to the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6ab\">fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ulat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n. However, it was determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed th<span class=\"_ _0\"></span>at the re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e ra<span class=\"_ _0\"></span>nge of o<span class=\"_ _0\"></span>utco<span class=\"_ _0\"></span>mes f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>ese i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>uts </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6ac\">into the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates are n<span class=\"_ _0\"></span>ot materi<span class=\"_ _0\"></span>al to the a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6ae\">Si<span class=\"_ _0\"></span>nce 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023, the a<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s related to es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e have be<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>lly u<span class=\"_ _0\"></span>pd<span class=\"_ _0\"></span>ated. Th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6af\">expec<span class=\"_ _0\"></span>ted stre<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>n defau<span class=\"_ _0\"></span>lts du<span class=\"_ _0\"></span>e to the ma<span class=\"_ _0\"></span>cro e<span class=\"_ _0\"></span>nviro<span class=\"_ _0\"></span>nm<span class=\"_ _0\"></span>ent of inf<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ost p<span class=\"_ _0\"></span>ress<span class=\"_ _0\"></span>ures exp<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ien<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d by SM<span class=\"_ _0\"></span>Es an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6b0\">cus<span class=\"_ _0\"></span>tomer<span class=\"_ _0\"></span>s in t<span class=\"_ _0\"></span>he year d<span class=\"_ _0\"></span>id n<span class=\"_ _0\"></span>ot materi<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ise to th<span class=\"_ _0\"></span>e extent expe<span class=\"_ _0\"></span>cted as b<span class=\"_ _0\"></span>ase r<span class=\"_ _0\"></span>ates pea<span class=\"_ _0\"></span>ked, pl<span class=\"_ _0\"></span>ateaue<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>n to fall </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6b1\">and b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rrower<span class=\"_ _0\"></span>s rem<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed l<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ely re<span class=\"_ _0\"></span>sil<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>nt. Th<span class=\"_ _0\"></span>is has l<span class=\"_ _0\"></span>ed to s<span class=\"_ _0\"></span>ome favou<span class=\"_ _0\"></span>rab<span class=\"_ _0\"></span>le o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ved p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce w<span class=\"_ _0\"></span>ith l<span class=\"_ _0\"></span>ower defa<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6b2\">and s<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le re<span class=\"_ _0\"></span>cover<span class=\"_ _0\"></span>ies re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve to e<span class=\"_ _1\"></span>x<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>ons o<span class=\"_ _0\"></span>n many of th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>foli<span class=\"_ _0\"></span>os pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tic<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>arl<span class=\"_ _0\"></span>y the l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>acy S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns (sec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sed) </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6b3\">in th<span class=\"_ _0\"></span>e US pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r to thei<span class=\"_ _0\"></span>r sa<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ng wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e US bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>on of a ma<span class=\"_ _0\"></span>cro s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>s is now exp<span class=\"_ _0\"></span>ected to b<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6b4\">les<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>unc<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>ut l<span class=\"_ _0\"></span>ast lo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>er. This has l<span class=\"_ _0\"></span>ed to a lowe<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>fetime c<span class=\"_ _0\"></span>umu<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve defau<span class=\"_ _0\"></span>lt expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd a h<span class=\"_ _0\"></span>igh<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6b5\">esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on of fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pare<span class=\"_ _0\"></span>d to the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng val<span class=\"_ _0\"></span>ue of t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>ans t<span class=\"_ _0\"></span>han at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023. H<span class=\"_ _0\"></span>owever<span class=\"_ _1\"></span>, due to th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6b6\">amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g natu<span class=\"_ _0\"></span>re of the<span class=\"_ _0\"></span>se lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>he sa<span class=\"_ _0\"></span>le of t<span class=\"_ _0\"></span>he US l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s, the<span class=\"_ _0\"></span>re is l<span class=\"_ _0\"></span>ess s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y to defau<span class=\"_ _0\"></span>lt as<span class=\"_ _0\"></span>sum<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns g<span class=\"_ _0\"></span>iven </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6b7\">the l<span class=\"_ _0\"></span>ower re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve remai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lue o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e bo<span class=\"_ _0\"></span>ok yea<span class=\"_ _0\"></span>r on year.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6b8\">Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>es invested i<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>usts i<span class=\"_ _0\"></span>n wh<span class=\"_ _0\"></span>ich Fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e is a m<span class=\"_ _0\"></span>ino<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>-investo<span class=\"_ _0\"></span>r sol<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>eir l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6b9\">ass<span class=\"_ _0\"></span>ets to a thi<span class=\"_ _0\"></span>rd par<span class=\"_ _2\"></span>ty an<span class=\"_ _0\"></span>d Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y re<span class=\"_ _0\"></span>-investe<span class=\"_ _0\"></span>d alo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>e the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6ba\">the n<span class=\"_ _0\"></span>et cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows fro<span class=\"_ _0\"></span>m the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt were rea<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sed s<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>r and a n<span class=\"_ _0\"></span>et fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue ga<span class=\"_ _0\"></span>in of \u00a32.<span class=\"_ _0\"></span>2 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on wa<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls44 ws2 gs6bb\">thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins i<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nt of co<span class=\"_ _0\"></span>mpre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>ome<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows re<span class=\"_ _0\"></span>lated to th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6bc\">are p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted net wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n \u201cC<span class=\"_ _0\"></span>ash re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ipts f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in tr<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>s and c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts<span class=\"_ _0\"></span>\u201d in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6bd\">refl<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he n<span class=\"_ _0\"></span>et sett<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt of the rea<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws123 gs6be\">The<span class=\"_ _0\"></span>re has a<span class=\"_ _0\"></span>ddi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n de<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>n disc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rates us<span class=\"_ _0\"></span>ed to dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows i<span class=\"_ _0\"></span>n the yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, pr<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ily </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6bf\">dri<span class=\"_ _0\"></span>ven by de<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n the r<span class=\"_ _0\"></span>isk f<span class=\"_ _0\"></span>ree r<span class=\"_ _0\"></span>ate, due to centr<span class=\"_ _0\"></span>al b<span class=\"_ _0\"></span>ank i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ates fal<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>ons of r<span class=\"_ _0\"></span>ate cuts p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs6c0\">into swaps<span class=\"_ _0\"></span>. Ma<span class=\"_ _0\"></span>ny of the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in l<span class=\"_ _0\"></span>evera<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>d investm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>st str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>tures h<span class=\"_ _0\"></span>ave experi<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d a redu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n disc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6c1\">rates du<span class=\"_ _0\"></span>e to de-<span class=\"_ _0\"></span>lever<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ing of t<span class=\"_ _0\"></span>he veh<span class=\"_ _0\"></span>icl<span class=\"_ _0\"></span>es as s<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ior l<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s debt h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en p<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d down<span class=\"_ _0\"></span>. The re<span class=\"_ _0\"></span>paym<span class=\"_ _0\"></span>ent of se<span class=\"_ _0\"></span>nio<span class=\"_ _0\"></span>r debt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6c2\">and t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e of tim<span class=\"_ _0\"></span>e has a<span class=\"_ _0\"></span>ddi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ly l<span class=\"_ _0\"></span>ed to fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins a<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt unwi<span class=\"_ _0\"></span>nd as p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d futu<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6c3\">cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of the i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h tend to be b<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>kl<span class=\"_ _0\"></span>oad<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>ctu<span class=\"_ _0\"></span>re be<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me are n<span class=\"_ _0\"></span>ea<span class=\"_ _0\"></span>rer in t<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>e to the ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6c4\">she<span class=\"_ _0\"></span>et date. Th<span class=\"_ _0\"></span>is, in tu<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>, has l<span class=\"_ _0\"></span>ed to a hi<span class=\"_ _0\"></span>ghe<span class=\"_ _0\"></span>r rel<span class=\"_ _0\"></span>ative est<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e in th<span class=\"_ _0\"></span>e year.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6c5\">The re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>t of the va<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ous fa<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s out<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>bove is a \u00a36.4 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n net fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r (of whic<span class=\"_ _0\"></span>h \u00a32.2 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6c6\">rel<span class=\"_ _0\"></span>ates to disco<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns) pri<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>y dri<span class=\"_ _0\"></span>ven by favour<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce of l<span class=\"_ _0\"></span>ega<span class=\"_ _0\"></span>cy se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>isat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n loa<span class=\"_ _0\"></span>ns rel<span class=\"_ _0\"></span>ative to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6c7\">expec<span class=\"_ _0\"></span>tati<span class=\"_ _0\"></span>ons of st<span class=\"_ _0\"></span>ress<span class=\"_ _0\"></span>ed p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce over t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r; however<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>se lo<span class=\"_ _0\"></span>ans c<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>e to amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>e they a<span class=\"_ _0\"></span>re expe<span class=\"_ _0\"></span>cted </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6c8\">to bec<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e les<span class=\"_ _0\"></span>s se<span class=\"_ _0\"></span>nsit<span class=\"_ _0\"></span>ive to esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on u<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>nty.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6c9\">Se<span class=\"_ _0\"></span>nsit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s to unob<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns in t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d mo<span class=\"_ _0\"></span>ney ma<span class=\"_ _0\"></span>rket fun<span class=\"_ _0\"></span>ds wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6ca\">eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts are n<span class=\"_ _0\"></span>ot disc<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>sed a<span class=\"_ _0\"></span>s reaso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le c<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ges i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent as<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>ons i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lus<span class=\"_ _0\"></span>ive of defau<span class=\"_ _0\"></span>lt r<span class=\"_ _0\"></span>ates, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6cb\">dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt rates an<span class=\"_ _0\"></span>d rec<span class=\"_ _0\"></span>over<span class=\"_ _0\"></span>y rates wou<span class=\"_ _0\"></span>ld n<span class=\"_ _0\"></span>ot be exp<span class=\"_ _0\"></span>ected to res<span class=\"_ _0\"></span>ult i<span class=\"_ _0\"></span>n mater<span class=\"_ _0\"></span>ial c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>rr<span class=\"_ _2\"></span>ying va<span class=\"_ _0\"></span>lue<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></div><div class=\"t m7 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs6cc\">Fair val<span class=\"_ _0\"></span>ue m<span class=\"_ _0\"></span>ovement<span class=\"_ _0\"></span>s on S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6cd\">are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt in fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s/(loss<span class=\"_ _0\"></span>es)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6ce\">A rec<span class=\"_ _0\"></span>onc<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e moveme<span class=\"_ _0\"></span>nt in l<span class=\"_ _0\"></span>evel 3 f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>s show<span class=\"_ _0\"></span>n as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span></div><div class=\"gs6cf\"><table class=\"s w3cd hbd\" id=\"_f1f0143c-bcb4-4415-958a-cb207b8428a9\"><tr><td></td><td class=\"t m0 x5eb h35 y2a5a ff4 fs19 fc5 sc0 ls120 ws118\">SME lo<span class=\"_ _1\"></span>ans<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x760 h35 y2a5b ff4 fs19 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t fai<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49f h35 y2a5b ff4 fs19 fc5 sc0 lsf1 wsea\">Investment<span class=\"_ _1\"></span> in<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h35 y2a5c ff4 fs19 fc5 sc0 lsd1 wsc8\">value t<span class=\"_ _1\"></span>hrough<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x761 h35 y2a5c ff4 fs19 fc5 sc0 ls2 ws2\">tr<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ts a<span class=\"_ _0\"></span>nd<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x55d h35 y2a5d ff4 fs19 fc5 sc0 ls2 ws2\">pr<span class=\"_ _0\"></span>ofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x762 h35 y2a5d ff4 fs19 fc5 sc0 lsf1 wsea\">co-investments<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h35 y2a5e ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a5e ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a5f w3ce h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce a<span class=\"_ _0\"></span>s at 1 Ja<span class=\"_ _0\"></span>nua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x763 y2a5f w3cf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">6<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x764 y2a5f w3d0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls53 ws6d\">28.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a60 w300 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x765 y2a60 w3d1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">11.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x766 y2a60 w27d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a61 w3d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Repa<span class=\"_ _1\"></span>yments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x767 y2a61 w3d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x768 y2a61 w1e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(6<span class=\"_ _0\"></span>.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a62 w3d4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Disposal<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x769 y2a62 w3d5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2a62 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a38 w3d6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n on th<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at f<span class=\"_ _0\"></span>air v<span class=\"_ _0\"></span>alu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76a y2a38 w3d7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2d\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76b y2a38 w18d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a39 w3d8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls53 ws6d\">Fo<span class=\"_ _0\"></span>rei<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>n exc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76c y2a39 w3d9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76d y2a39 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a63 w3da h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce a<span class=\"_ _0\"></span>s at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76e y2a63 w3db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76f y2a63 w36b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a64 w300 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y2a64 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54c y2a64 w3dc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">4<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3c w3d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Repa<span class=\"_ _1\"></span>yments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x767 y2a3c w3dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">(1<span class=\"_ _1\"></span>3.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x770 y2a3c w3de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(14<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w3d6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n on th<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at f<span class=\"_ _0\"></span>air v<span class=\"_ _0\"></span>alu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x771 y2a3d w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x1d6 y2a3d w10c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w3df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>her n<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>sh m<span class=\"_ _0\"></span>oveme<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x772 y2a65 w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x773 y2a65 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w3e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Disposal<span class=\"_ _1\"></span> of dis<span class=\"_ _1\"></span>continued oper<span class=\"_ _1\"></span>ations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x774 y2a3f w3e1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x775 y2a3f w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w3e2 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e as at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x776 y27eb wbb h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x777 y27eb w3e3 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs6d1\">Financial<span class=\"_ _1\"></span> risk fact<span class=\"_ _1\"></span>ors<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsc wsb gs6d2\">Credit ri<span class=\"_ _1\"></span>sk<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6d3\">Cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk i<span class=\"_ _0\"></span>s the r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al lo<span class=\"_ _0\"></span>ss to the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p if a c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er o<span class=\"_ _0\"></span>r cou<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y to a fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent fai<span class=\"_ _0\"></span>ls to me<span class=\"_ _0\"></span>et </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6d4\">its c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>, and a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ses p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>lly f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es fro<span class=\"_ _0\"></span>m cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6d5\">eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts he<span class=\"_ _0\"></span>ld at ba<span class=\"_ _0\"></span>nks<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6d6\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ma<span class=\"_ _0\"></span>xim<span class=\"_ _0\"></span>um expo<span class=\"_ _0\"></span>sure to cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k by cl<span class=\"_ _0\"></span>ass of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>s as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span></div><div class=\"gs6d7\"><table class=\"s w3e4 hbe\" id=\"_bfed3355-33cf-4a86-a83d-9a17cec4718f\"><tr><td></td><td class=\"t m0 x539 h38 y2a66 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2a66 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2a67 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a67 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y2a68 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a68 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2a69 ff6 fs6 fc5 sc0 ls13 ws12\">Non-current<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a6a waf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x264 y2a6b wb0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x265 y2a6a wb1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a6c wab h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x778 y2a6d w3e5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x779 y2a6c w36b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">25.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a6e ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s:<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a6f w3e6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77a y2a70 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77b y2a6f w379 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y2a71 ff6 fs6 fc5 sc0 ls13 ws12\">Current<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a72 waf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77c y2a73 wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77d y2a72 w14b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a74 wb9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h pr<span class=\"_ _0\"></span>ofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77e y2a75 w3c7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77f y2a74 w3e7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">18.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a76 wbd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4f2 y2a77 w3e8 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x780 y2a76 w371 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a78 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s:<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a2d w3e9 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>les<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x359 y2a2e w168 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x781 y2a2d wfd h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2825 w3e6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67c y2826 w223 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">4.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x782 y2825 w230 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290c w3ea h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">\u2013 Ac<span class=\"_ _1\"></span>crued income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x783 y290d we0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfd wsf6\">5.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x784 y290c w3eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2829 w3ec h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Rent a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r de<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>its<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x785 y282a w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x786 y2829 wdf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290e wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x787 y290f w359 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x788 y290e wc6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">221.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e8 w3ed h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal g<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>ss c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k expo<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>re<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x789 y27e8 w3ee h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">3<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78a y27e7 w3b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">333.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2830 w3ef h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Less b<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>k bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs</div><div class=\"t m0 x78b h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78c y282f w3f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78d y2830 w3bd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w3f1 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal n<span class=\"_ _0\"></span>et c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k expo<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>re<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78e y27ec w3f2 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">215.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78f y27eb w3f3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">2<span class=\"_ _2\"></span>7<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h4 ff3 fs2 fc5 sc0 ls2 ws2 gs6d8\">1. <span class=\"_ _6\"> </span> <span class=\"_ _b\"></span>I<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>in b<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>row<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs a<span class=\"_ _0\"></span>re \u00a3<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>l (2023: \u00a32<span class=\"_ _0\"></span>.2 m<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) in r<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n to dr<span class=\"_ _0\"></span>awd<span class=\"_ _0\"></span>own<span class=\"_ _0\"></span>s on t<span class=\"_ _0\"></span>he PP<span class=\"_ _0\"></span>PL<span class=\"_ _0\"></span>F an<span class=\"_ _0\"></span>d \u00a310<span class=\"_ _0\"></span>1.9 m<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (2023: \u00a35<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) </div><div class=\"t m0 h4 ff3 fs2 fc5 sc0 ls2 ws2 gs6d9\">re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d to th<span class=\"_ _0\"></span>e Fl<span class=\"_ _0\"></span>exi<span class=\"_ _0\"></span>Pay w<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6da\">In a<span class=\"_ _0\"></span>ddit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p was s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial g<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>rantee<span class=\"_ _0\"></span>s in it<span class=\"_ _0\"></span>s le<span class=\"_ _0\"></span>gac<span class=\"_ _0\"></span>y Europ<span class=\"_ _0\"></span>ean o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h it h<span class=\"_ _0\"></span>ad is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6db\">to buy ba<span class=\"_ _0\"></span>ck l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns. T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s maxi<span class=\"_ _0\"></span>mu<span class=\"_ _0\"></span>m expos<span class=\"_ _0\"></span>ure to cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>ese f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l gua<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ntees were ever<span class=\"_ _0\"></span>y e<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6dc\">req<span class=\"_ _0\"></span>uire<span class=\"_ _0\"></span>d to be b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght ba<span class=\"_ _0\"></span>ck wo<span class=\"_ _0\"></span>uld b<span class=\"_ _0\"></span>e \u00a3ni<span class=\"_ _0\"></span>l (202<span class=\"_ _1\"></span>3: \u00a30.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6dd\">An exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>ated to undr<span class=\"_ _0\"></span>awn l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit o<span class=\"_ _0\"></span>n the Fl<span class=\"_ _0\"></span>exiP<span class=\"_ _0\"></span>ay prod<span class=\"_ _0\"></span>uct of \u00a32.7 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6de\">(202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>1.4 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) is he<span class=\"_ _0\"></span>ld w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in p<span class=\"_ _0\"></span>rovisi<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s max<span class=\"_ _0\"></span>imu<span class=\"_ _0\"></span>m expos<span class=\"_ _0\"></span>ure to cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k on th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6df\">un<span class=\"_ _0\"></span>drawn l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>f they we<span class=\"_ _0\"></span>re al<span class=\"_ _0\"></span>l to be ful<span class=\"_ _0\"></span>ly d<span class=\"_ _0\"></span>rawn wou<span class=\"_ _0\"></span>ld b<span class=\"_ _0\"></span>e \u00a3278.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a3157<span class=\"_ _5\"></span>.3 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion). The Gr<span class=\"_ _0\"></span>oup h<span class=\"_ _0\"></span>as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6e0\">the a<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to freeze, redu<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>r wit<span class=\"_ _0\"></span>hdr<span class=\"_ _0\"></span>aw lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t as a way of man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls2 ws2 gs6e1\">Cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ri<span class=\"_ _0\"></span>sk as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>tes wi<span class=\"_ _0\"></span>th S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d li<span class=\"_ _0\"></span>nes o<span class=\"_ _0\"></span>f cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6e2\">Un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 9, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ired to p<span class=\"_ _0\"></span>rovide fo<span class=\"_ _0\"></span>r loa<span class=\"_ _0\"></span>ns me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed co<span class=\"_ _0\"></span>st un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it lo<span class=\"_ _0\"></span>ss </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6e3\">(\u201c<span class=\"_ _0\"></span>EC<span class=\"_ _0\"></span>L<span class=\"_ _5\"></span>\u201d) m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l. T<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>irm<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>lated to ea<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>s bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the EC<span class=\"_ _0\"></span>Ls as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6e4\">that l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e nex<span class=\"_ _0\"></span>t 12 months u<span class=\"_ _0\"></span>nl<span class=\"_ _0\"></span>ess t<span class=\"_ _0\"></span>here h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en a s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk of t<span class=\"_ _0\"></span>hat l<span class=\"_ _0\"></span>oan s<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>e or<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>inat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6e5\">The b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow facto<span class=\"_ _0\"></span>rs are u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in est<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g the i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt:<span class=\"_ _2d6\"> </span></div><div class=\"gs6e7\"><table class=\"s w3f4 hbf\" id=\"_95010ed9-c655-40c4-ab62-241804d7a9df\"><tr><td class=\"c n x1c5 y2a7a w3f5 h91\"><div class=\"t m0 x1ba ha y27b5 ff5 fs6 fc5 sc0 lsd5 wscc\">Fact<span class=\"_ _1\"></span>or<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x790 y2a7a w3f6 h91\"><div class=\"t m0 x1ba ha y27b5 ff5 fs6 fc5 sc0 lsd5 wscc\">Description<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2a7b ff4 fs6 fc5 sc0 ls2 ws2\">Prob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of </td><td class=\"t m0 x791 hd y2a7b ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed P<span class=\"_ _0\"></span>D mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls ta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ore<span class=\"_ _0\"></span>d to eac<span class=\"_ _0\"></span>h T<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>m Loan o<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>ct to as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>e </td></tr><tr><td class=\"t m0 x256 hd y2a7c ff4 fs6 fc5 sc0 ls2 ws2\">Defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t (\u201c<span class=\"_ _0\"></span>PD<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x791 hd y2a7c ff4 fs6 fc5 sc0 ls2 ws2\">li<span class=\"_ _0\"></span>keli<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>od of d<span class=\"_ _0\"></span>efau<span class=\"_ _0\"></span>lt wi<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>e nex<span class=\"_ _0\"></span>t 12 mont<span class=\"_ _0\"></span>hs an<span class=\"_ _0\"></span>d over th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>fetim<span class=\"_ _0\"></span>e. Th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ate PD bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a7d ff4 fs6 fc5 sc0 ls2 ws2\">latest p<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>avio<span class=\"_ _0\"></span>ur of th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>stom<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s and o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ved h<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l tre<span class=\"_ _0\"></span>nds<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e PD mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>l als<span class=\"_ _0\"></span>o in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es an </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a7e ff4 fs6 fc5 sc0 ls2 ws2\">est<span class=\"_ _0\"></span>imate of t<span class=\"_ _0\"></span>he fu<span class=\"_ _0\"></span>ture m<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>roe<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>c ef<span class=\"_ _0\"></span>fect.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2a7f ff4 fs6 fc5 sc0 ls2 ws2\">Exp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ure at </td><td class=\"t m0 x791 hd y2a7f ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>n E<span class=\"_ _0\"></span>AD m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>del fo<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts to as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>kely exp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ure at d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t. </td></tr><tr><td class=\"t m0 x256 hd y2a80 ff4 fs6 fc5 sc0 ls2 ws2\">Defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t (\u201c<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>\u201d) </td><td class=\"t m0 x791 hd y2a80 ff4 fs6 fc5 sc0 ls2 ws2\">The m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lates e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates of E<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>D bas<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e latest p<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>avio<span class=\"_ _0\"></span>ur of th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>stom<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a81 ff4 fs6 fc5 sc0 ls2 ws2\">li<span class=\"_ _0\"></span>mit u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on, a<span class=\"_ _0\"></span>nd a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>ly<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g a cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>onve<span class=\"_ _0\"></span>rsi<span class=\"_ _0\"></span>on fa<span class=\"_ _0\"></span>ctor a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roa<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2a82 ff4 fs6 fc5 sc0 lsd4 wscb\">Los<span class=\"_ _0\"></span>s Gi<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span>n </td><td class=\"t m0 x791 hd y2a82 ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed LGD m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>s tai<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>red to ea<span class=\"_ _0\"></span>ch T<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>rm Lo<span class=\"_ _0\"></span>an or l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>ct to ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s the l<span class=\"_ _0\"></span>ike<span class=\"_ _0\"></span>ly </td></tr><tr><td class=\"t m0 x256 hd y2a83 ff4 fs6 fc5 sc0 lsca wsc2\">Def<span class=\"_ _1\"></span>ault (\u201cL<span class=\"_ _1\"></span>GD\u201d)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x791 hd y2a83 ff4 fs6 fc5 sc0 ls2 ws2\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s give<span class=\"_ _0\"></span>n an a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>ount d<span class=\"_ _0\"></span>efau<span class=\"_ _0\"></span>lts<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ate esti<span class=\"_ _0\"></span>mates of LGD b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on h<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l data o<span class=\"_ _0\"></span>n </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a84 ff4 fs6 fc5 sc0 ls1e ws26\">observed reco<span class=\"_ _1\"></span>veries against de<span class=\"_ _1\"></span>faulted accoun<span class=\"_ _1\"></span>ts.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y28fd w3f7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt r<span class=\"_ _0\"></span>ate<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x792 y28fd w3f8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p us<span class=\"_ _0\"></span>es ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unt-l<span class=\"_ _0\"></span>evel ef<span class=\"_ _0\"></span>fect<span class=\"_ _0\"></span>ive inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ate whi<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt o<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x791 hd y2a85 ff4 fs6 fc5 sc0 ls2 ws2\">lo<span class=\"_ _0\"></span>an a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt, i<span class=\"_ _0\"></span>nteres<span class=\"_ _0\"></span>t and fe<span class=\"_ _0\"></span>es, exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ted rep<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng pr<span class=\"_ _0\"></span>e-<span class=\"_ _0\"></span>paym<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d term<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr></table></div><div class=\"t ma h89 ff4 fs27 fc5 sc0 ls177 ws178 gs6e8\">Significant increa<span class=\"_ _1\"></span>se in credit risk</div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6e9\">: The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>ere ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en a si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ica<span class=\"_ _0\"></span>nt in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se in c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ri<span class=\"_ _0\"></span>sk if t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan o<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6ea\">li<span class=\"_ _0\"></span>ne of cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>s overdu<span class=\"_ _0\"></span>e, or if th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n frozen due to id<span class=\"_ _0\"></span>entif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of r<span class=\"_ _0\"></span>isk f<span class=\"_ _0\"></span>rom so<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>es su<span class=\"_ _0\"></span>ch as b<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>au </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6eb\">data i<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ey have be<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e overdu<span class=\"_ _0\"></span>e on a th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y de<span class=\"_ _0\"></span>bt for examp<span class=\"_ _0\"></span>le, or i<span class=\"_ _0\"></span>f the b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower i<span class=\"_ _0\"></span>s late on an<span class=\"_ _0\"></span>oth<span class=\"_ _0\"></span>er FC </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6ec\">pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t. A ba<span class=\"_ _0\"></span>cks<span class=\"_ _0\"></span>top is ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d for any ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts o<span class=\"_ _0\"></span>n the l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent excee<span class=\"_ _0\"></span>d 30 days, i<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6ed\">rebu<span class=\"_ _0\"></span>tt<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e pre<span class=\"_ _0\"></span>sum<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n pe<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9.</div><div class=\"t ma h89 ff4 fs27 fc5 sc0 ls178 ws179 gs6ee\">For<span class=\"_ _1\"></span>ecast period<span class=\"_ _1\"></span>:</div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6ef\"> We esti<span class=\"_ _0\"></span>mate PD, EA<span class=\"_ _0\"></span>D and LGD for t<span class=\"_ _0\"></span>he du<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>fetime of t<span class=\"_ _0\"></span>he T<span class=\"_ _1\"></span>erm Lo<span class=\"_ _0\"></span>an or l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>. T<span class=\"_ _5\"></span>e<span class=\"_ _0\"></span>rm </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6f0\">Loans u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>e the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al ter<span class=\"_ _0\"></span>m of the T<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>m Loan<span class=\"_ _0\"></span>. For l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit, t<span class=\"_ _0\"></span>he du<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>he li<span class=\"_ _0\"></span>fetime i<span class=\"_ _0\"></span>s est<span class=\"_ _0\"></span>imated to b<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb8 wsb6 gs6f1\">f<span class=\"_ _0\"></span>ive ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t ma h89 ff4 fs27 fc5 sc0 ls179 ws17a gs6f2\">Def<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t</div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6f3\">: The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es a defau<span class=\"_ _0\"></span>lt, c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g, as a l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt wit<span class=\"_ _0\"></span>h any </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6f4\">out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts exceed<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g a 90<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>day du<span class=\"_ _0\"></span>e date, whi<span class=\"_ _0\"></span>ch ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>int at wh<span class=\"_ _0\"></span>ich t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d to be </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6f5\">cre<span class=\"_ _0\"></span>dit-im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ired<span class=\"_ _0\"></span>. In s<span class=\"_ _0\"></span>ome c<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>ums<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>ces w<span class=\"_ _0\"></span>here l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght b<span class=\"_ _0\"></span>ack by t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup, th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>set as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iated w<span class=\"_ _0\"></span>ith </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6f6\">the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e meet<span class=\"_ _0\"></span>s the d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion of p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nated c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>red (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>PO<span class=\"_ _0\"></span>CI<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>); this e<span class=\"_ _0\"></span>lem<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6f7\">is th<span class=\"_ _0\"></span>erefore b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6f8\">Lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e sam<span class=\"_ _0\"></span>e defa<span class=\"_ _0\"></span>ult d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n and p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of defa<span class=\"_ _0\"></span>ult u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er I<span class=\"_ _0\"></span>FRS 9; however<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>hey are a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6f9\">bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n 12<span class=\"_ _1\"></span>-m<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>h prob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t at the over<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>l avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>ne of cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t level, e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e expec<span class=\"_ _0\"></span>ted uti<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6fa\">of the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cred<span class=\"_ _0\"></span>it at th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of defau<span class=\"_ _0\"></span>lt. T<span class=\"_ _0\"></span>he expe<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>s im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciate<span class=\"_ _0\"></span>d with u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>rawn </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6fb\">li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t is di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>n note 15 and i<span class=\"_ _0\"></span>n note 27<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6fc\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ded PP<span class=\"_ _0\"></span>P loa<span class=\"_ _0\"></span>ns fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e use of th<span class=\"_ _0\"></span>e PPPLF<span class=\"_ _1\"></span>. The l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns were gu<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>antee<span class=\"_ _0\"></span>d by </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6fd\">the U<span class=\"_ _0\"></span>S govern<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e event of defau<span class=\"_ _0\"></span>lt a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans wer<span class=\"_ _0\"></span>e antic<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>ated to be forg<span class=\"_ _0\"></span>iven<span class=\"_ _0\"></span>. At the po<span class=\"_ _0\"></span>int of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t and </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6fe\">subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nt col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e gu<span class=\"_ _0\"></span>ara<span class=\"_ _0\"></span>ntee or p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of forgive<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>an an<span class=\"_ _0\"></span>d the re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ive bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs6ff\">PPPLF we<span class=\"_ _0\"></span>re exti<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>uis<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>d. S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t als<span class=\"_ _0\"></span>o in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns whi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n bo<span class=\"_ _0\"></span>ught b<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k from </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs700\">investor<span class=\"_ _0\"></span>s wit<span class=\"_ _0\"></span>h the i<span class=\"_ _0\"></span>ntentio<span class=\"_ _0\"></span>n of col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs701\">Lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s \u00a397<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a350.0 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) of drawn a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts th<span class=\"_ _0\"></span>roug<span class=\"_ _0\"></span>h th<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t net of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs702\">ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> credit<span class=\"_ _1\"></span> loss impairmen<span class=\"_ _1\"></span>t.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs703\">The g<span class=\"_ _0\"></span>ross p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ipa<span class=\"_ _0\"></span>l val<span class=\"_ _0\"></span>ue of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at am<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>tised c<span class=\"_ _0\"></span>ost is \u00a3<span class=\"_ _0\"></span>11.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a321.4 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and dr<span class=\"_ _0\"></span>awn li<span class=\"_ _0\"></span>nes </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs704\">of cre<span class=\"_ _0\"></span>dit is \u00a3<span class=\"_ _0\"></span>110.0 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a355.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _1\"></span>, tota<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing \u00a3<span class=\"_ _0\"></span>121.3 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (2023<span class=\"_ _1\"></span>: \u00a3<span class=\"_ _0\"></span>76.8 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on), and an a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs705\">expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses of \u00a39.<span class=\"_ _0\"></span>2 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a314.7 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and \u00a312.9 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a35.4 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) resp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ively, t<span class=\"_ _1\"></span>ota<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs706\">\u00a322.<span class=\"_ _1\"></span>1 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a320.<span class=\"_ _1\"></span>1 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _1\"></span>, i<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst th<span class=\"_ _0\"></span>ese l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d draw<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t as deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs707\">An i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge of \u00a37<span class=\"_ _5\"></span>.0 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: impa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ment c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge of \u00a33.3 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) was rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs708\">of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsive i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>n the ye<span class=\"_ _0\"></span>ar to 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in (p<span class=\"_ _0\"></span>rovis<span class=\"_ _0\"></span>ion)/credit for exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs709\">inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>lated to draw<span class=\"_ _0\"></span>n lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t and S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs70b\">Addi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>n expe<span class=\"_ _0\"></span>cted cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>s im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent c<span class=\"_ _0\"></span>harg<span class=\"_ _0\"></span>e was re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed re<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ing to un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>awn Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs70c\">\u00a31.3 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (31 Dece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023: \u00a31.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and an exp<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge of \u00a3n<span class=\"_ _0\"></span>il (31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023: </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs70d\">cre<span class=\"_ _0\"></span>dit of \u00a30.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) related to th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>n rep<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d an exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it lo<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge re<span class=\"_ _0\"></span>lated to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs70e\">op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al b<span class=\"_ _0\"></span>uyb<span class=\"_ _0\"></span>acks of \u00a30.<span class=\"_ _0\"></span>4 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3nil) were re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed a<span class=\"_ _0\"></span>s detai<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d in n<span class=\"_ _0\"></span>otes 15 and 27<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs70f\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ba<span class=\"_ _0\"></span>nds ea<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n investm<span class=\"_ _0\"></span>ent at o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n usi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>n inter<span class=\"_ _0\"></span>nal r<span class=\"_ _0\"></span>isk r<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng an<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>ses o<span class=\"_ _0\"></span>n a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs710\">co<span class=\"_ _0\"></span>lle<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve por<span class=\"_ _2\"></span>tfoli<span class=\"_ _0\"></span>o bas<span class=\"_ _0\"></span>is by pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t. C<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k gr<span class=\"_ _0\"></span>ade<span class=\"_ _0\"></span>s are n<span class=\"_ _0\"></span>ot repo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ted to ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent on a<span class=\"_ _0\"></span>n on<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s and t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs711\">on<span class=\"_ _0\"></span>ly bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>r sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic infor<span class=\"_ _0\"></span>mat<span class=\"_ _0\"></span>ion t<span class=\"_ _0\"></span>hat is p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d use<span class=\"_ _0\"></span>d is pa<span class=\"_ _0\"></span>st du<span class=\"_ _0\"></span>e status<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>ere is n<span class=\"_ _0\"></span>o sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs712\">of<span class=\"_ _1\"></span> credit ri<span class=\"_ _1\"></span>sk to<span class=\"_ _1\"></span> specific indu<span class=\"_ _1\"></span>stries or<span class=\"_ _1\"></span> geographical r<span class=\"_ _1\"></span>egions.<span class=\"_ _2d6\"> </span></div><div class=\"gs713\"><table class=\"s w3f9 hc0\" id=\"_105c04c7-ec11-4c2c-b118-bba9113016ad\"><tr><td></td><td class=\"t m0 x2a9 h35 y2a86 ff4 fs19 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x793 h35 y2a86 ff4 fs19 fc5 sc0 ls153 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 2<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x424 h35 y2a86 ff4 fs19 fc5 sc0 ls153 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x68a h35 y2a87 ff4 fs19 fc5 sc0 lsc4 ws14c\">Per<span class=\"_ _0\"></span>formin<span class=\"_ _0\"></span>g:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x794 h35 y2a87 ff4 fs19 fc5 sc0 ls137 ws132\">Underperforming:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x795 h35 y2a87 ff4 fs19 fc5 sc0 lsf2 wseb\">Non-performing:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h35 y2a87 ff4 fs19 fc5 sc0 ls159 ws157\">POCI:<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x796 h35 y2a88 ff4 fs19 fc5 sc0 ls17a ws17b\">12-<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x797 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x798 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x799 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a88 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2a89 ff5 fs6 fc5 sc0 lsd5 wscc\">Reconciliation o<span class=\"_ _1\"></span>f opening to<span class=\"_ _1\"></span> closing ECL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x68f h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b9 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a8a w3fa h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79a y2a8b w3fb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79b y2a8b w326 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79c y2a8b w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79d y2a8b w3fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79e y2a8b w3fd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">16.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8c w3fe h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls80 ws14\">Impairment<span class=\"_ _1\"></span> against ne<span class=\"_ _1\"></span>w lending and<span class=\"_ _1\"></span> purchased<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79f y2a8c w3ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls88 ws84\">12<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a0 y2a8c w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x606 y2a8c w1b1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a1 y2a8c w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a2 y2a8c w400 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8d w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x603 y2a8d w240 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a3 y2a8d w401 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a8e w402 h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>st lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls103 wsfc\">stages<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a8 y2a8e w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a4 y2a8e w272 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a5 y2a8e w403 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x555 y2a8e w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a6 y2a8e w230 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8f w404 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Loans<span class=\"_ _1\"></span> repaid<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a7 y2a8f w405 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a8 y2a8f w1c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a9 y2a8f w39b h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7aa y2a8f w406 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(0.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x1c9 y2a8f w407 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(<span class=\"_ _0\"></span>11.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a90 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss g<span class=\"_ _0\"></span>iven </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a91 w408 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">def<span class=\"_ _1\"></span>ault assump<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ab y2a91 w409 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(1.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ac y2a91 w39c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ad y2a91 we7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ae y2a91 w397 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7af y2a91 w30f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(0<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a92 w40a h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b0 y2a93 w40b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b1 y2a93 w274 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b2 y2a93 w40c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">3<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f0 y2a93 w40d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e6 y2a93 w40e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a94 w3fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls80 ws14\">Impairment<span class=\"_ _1\"></span> against ne<span class=\"_ _1\"></span>w lending and<span class=\"_ _1\"></span> purchased<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b3 y2a95 w40f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">12<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b4 y2a95 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ba y2a95 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ac y2a95 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b5 y2a95 w410 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">12<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a96 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a97 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a97 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b6 y2a97 w411 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _2\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b7 y2a97 w51 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>0.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b8 y2a97 w259 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a98 w402 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>st lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">stages<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b9 y2a99 w412 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ba y2a99 w413 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">3.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bb y2a99 w414 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bc y2a99 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bd y2a99 w415 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a9a w404 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Loans<span class=\"_ _1\"></span> repaid<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a7 y2a9b w416 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(11<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7be y2a9b w417 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bf y2a9b w259 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c0 y2a9b w418 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">(0.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c1 y2a9b w247 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">(15.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2852 w419 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls13 ws12\">Impairmen<span class=\"_ _1\"></span>t prov<span class=\"_ _1\"></span>ision der<span class=\"_ _1\"></span>ecognised rel<span class=\"_ _1\"></span>ated<span class=\"_ _1\"></span> to<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">wr<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ten of<span class=\"_ _0\"></span>f lo<span class=\"_ _0\"></span>ans<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c2 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c3 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c4 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c5 y2a9c w1ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c6 y2a9c w51 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a9d ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss g<span class=\"_ _0\"></span>iven </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a9e w408 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">def<span class=\"_ _1\"></span>ault assump<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c7 y2a9f w32d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c8 y2a9f w79 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c9 y2a9f w41a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ca y2a9f w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cb y2a9f w41b h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0.5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2aa0 ff4 fs6 fc5 sc0 ls2 ws2\">De<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iated w<span class=\"_ _0\"></span>ith a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a3f w41c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">of<span class=\"_ _1\"></span> discontin<span class=\"_ _1\"></span>ued operation<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cc y2aa1 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cd y2aa1 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ce y2aa1 w1b0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cf y2aa1 w41d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d0 y2aa1 w41e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x622 y27eb w31 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls15 ws14\">2.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a4 y27eb wb0 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d1 y27eb w161 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">9.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d2 y27eb w41f h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls7e ws7a\">8<span class=\"_ _0\"></span>.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d3 y27eb w420 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"gs6e7\"><table class=\"s w421 hc1\" id=\"_de55c40e-747f-4cfe-a54d-d735a431617d\"><tr><td></td><td></td><td></td><td class=\"t m1 x7d4 h35 y2aa2 ff4 fs19 fc5 sc0 lsd9 wsd0\">Gross<span class=\"_ _1\"></span> lines<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x7d5 h35 y2aa3 ff4 fs19 fc5 sc0 ls2 ws2\">of cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x7d6 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>s for<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x6c0 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x561 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">Prov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7d7 h35 y2aa5 ff4 fs19 fc5 sc0 lscf wsc6\">Expect<span class=\"_ _1\"></span>ed credit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d8 h35 y2aa5 ff4 fs19 fc5 sc0 lse4 wsdd\">recognition o<span class=\"_ _1\"></span>f<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d5 h35 y2aa5 ff4 fs19 fc5 sc0 lsf1 wsea\">at amortised<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d9 h35 y2aa5 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7da h35 y2aa5 ff4 fs19 fc5 sc0 lsd0 wsc7\">Net carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7db h35 y2aa6 ff4 fs19 fc5 sc0 ls106 wsff\">lo<span class=\"_ _0\"></span>ss cove<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2aa6 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted cr<span class=\"_ _1\"></span>edit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dd h35 y2aa6 ff4 fs19 fc5 sc0 ls3e ws3f\">cost<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5eb h35 y2aa6 ff4 fs19 fc5 sc0 ls2 ws2\">cre<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7de h35 y2aa6 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7df h35 y2aa7 ff4 fs19 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2aa7 ff4 fs19 fc5 sc0 lsd1 wsc8\">loss impairmen<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5ef h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x254 h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x255 h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 ha y2aa8 ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2aa9 w422 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e0 y2aa9 wdf h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e1 y2aa9 w423 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">12-mo<span class=\"_ _0\"></span>nth EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e2 y2aa9 w424 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">55.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e3 y2aa9 w425 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1<span class=\"_ _0\"></span>.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e4 y2aa9 w426 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">54.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aaa w427 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e5 y2aaa w371 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e6 y2aaa w428 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e7 y2aaa w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e8 y2aaa w429 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e9 y2aaa w274 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y284e w42a h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ea y284e w42b h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">86.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7eb y284e w428 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ec y284e wb7 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ed y284e w2a7 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ee y284e w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aab w42c h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">PO<span class=\"_ _0\"></span>CI (9<span class=\"_ _0\"></span>0+ days overd<span class=\"_ _0\"></span>ue)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ef y2aab w42d h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">93.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f0 y2aab w42e h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime<span class=\"_ _1\"></span> ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f1 y2aab w11e h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f2 y2aab w42f h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a6 y2aab w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f3 y2a3a w430 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls175 ws176\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f4 y2a3a w431 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls52 ws50\">76.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f5 y2a3a w432 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f6 y2a3a w433 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">56<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m1 x256 ha y2aac ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2aad w422 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f7 y2aae w30 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">2<span class=\"_ _0\"></span>.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f8 y2aae w434 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">12-<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f9 y2aae w435 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fa y2aae w436 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fb y2aae w437 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd2 wsc9\">96.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w427 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fc y2aaf w438 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">43.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fd y2aaf w439 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fe y2aaf w43a h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">3.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ff y2aaf w43b h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x800 y2aaf w360 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w42a h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x801 y2ab0 w43c h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">90.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x802 y2ab0 w43d h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x803 y2ab0 w43e h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x804 y2ab0 w43f h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x805 y2ab0 w230 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2ab1 w440 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x806 y2ab2 w441 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">98.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x807 y2ab2 w442 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetim<span class=\"_ _0\"></span>e ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x808 y2ab2 w443 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x809 y2ab2 w79 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80a y2ab2 wea h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80b y27eb w444 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17b ws17c\">To<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80c y27eb w445 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd4 wscb\">121.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80d y27eb w9a h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80e y27eb w446 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"gs715\"><table class=\"s w421 hc2\" id=\"_22048104-2952-4c04-8f83-9d40322778ae\"><tr><td></td><td></td><td class=\"t m1 x7d6 h35 y2ab3 ff4 fs19 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>s for<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m1 x561 h35 y2ab3 ff4 fs19 fc5 sc0 ls2 ws2\">Prov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7d7 h35 y2ab4 ff4 fs19 fc5 sc0 lscf wsc6\">Expect<span class=\"_ _1\"></span>ed credit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d8 h35 y2ab4 ff4 fs19 fc5 sc0 lse4 wsdd\">recognition o<span class=\"_ _1\"></span>f<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d4 h35 y2ab4 ff4 fs19 fc5 sc0 lsd9 wsd0\">Gross<span class=\"_ _1\"></span> lines<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d9 h35 y2ab4 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7da h35 y2ab4 ff4 fs19 fc5 sc0 lsd0 wsc7\">Net carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7db h35 y2ab5 ff4 fs19 fc5 sc0 ls106 wsff\">lo<span class=\"_ _0\"></span>ss cove<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2ab5 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted cr<span class=\"_ _1\"></span>edit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x80f h35 y2ab5 ff4 fs19 fc5 sc0 ls2 ws2\">of cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5eb h35 y2ab5 ff4 fs19 fc5 sc0 ls2 ws2\">cre<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7de h35 y2ab5 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 h35 y2ab6 ff4 fs19 fc5 sc0 ls2 ws2\">Of w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>s dr<span class=\"_ _0\"></span>awn F<span class=\"_ _0\"></span>lex<span class=\"_ _0\"></span>iP<span class=\"_ _0\"></span>ay li<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7df h35 y2ab6 ff4 fs19 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2ab6 ff4 fs19 fc5 sc0 lsd1 wsc8\">loss impairmen<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5ef h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x254 h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x255 h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 ha y2ab7 ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2ab8 w422 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e0 y2ab8 w447 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x810 y2ab8 w448 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">12-mo<span class=\"_ _0\"></span>nth EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x811 y2ab8 w1e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5<span class=\"_ _0\"></span>0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x812 y2ab8 w449 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x813 y2ab8 w44a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">48.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aaa w427 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e5 y2aaa w44b h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls128 ws14a\">52<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x814 y2aaa w44c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime E<span class=\"_ _1\"></span>CL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x815 y2aaa w169 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x816 y2aaa w349 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x817 y2aaa w190 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y284e w42a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x818 y284e w44d h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">93.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x819 y284e w44e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Lifetim<span class=\"_ _1\"></span>e ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81a y284e w127 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81b y284e w1f9 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81c y284e w20e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2ab9 w440 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81d y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81e y2ab9 w44f h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Life<span class=\"_ _1\"></span>time ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81f y2ab9 w28 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77a y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x820 y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f3 y2a3a w430 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls175 ws176\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x821 y2a3a w13a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">55<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x822 y2a3a w450 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(5.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x823 y2a3a w371 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m1 x256 ha y2aba ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a3c w422 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f7 y2abb w30 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">2<span class=\"_ _0\"></span>.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f8 y2abb w434 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">12-<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x824 y2abb w451 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x825 y2abb w452 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(2<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x826 y2abb w453 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">94.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w427 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x827 y2aaf w438 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">43.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x828 y2aaf w43d h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x829 y2aaf w43a h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">3.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82a y2aaf w43b h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82b y2aaf w388 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w42a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82c y2ab0 w454 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">89.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82d y2ab0 w455 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">L<span class=\"_ _0\"></span>ifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82e y2ab0 w456 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">9.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82f y2ab0 w457 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x830 y2ab0 w230 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w440 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x831 y2aa1 w105 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x832 y2aa1 w458 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Li<span class=\"_ _0\"></span>fetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2aa1 w1c h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x833 y2aa1 w28 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x834 y2aa1 w1c h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80b y27eb w444 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17b ws17c\">To<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x835 y27eb w3b2 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">110.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x836 y27eb w459 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd4 wscb\">(<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x837 y27eb wbe h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.1<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m1 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs716\">The r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k and f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ce fu<span class=\"_ _0\"></span>nct<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p mo<span class=\"_ _0\"></span>nitor t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce of t<span class=\"_ _0\"></span>he Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d </div><div class=\"t m1 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs717\">at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cul<span class=\"_ _0\"></span>ate the EC<span class=\"_ _0\"></span>L esti<span class=\"_ _0\"></span>mate req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red for f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e teams re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t to the </div><div class=\"t m1 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs718\">Chi<span class=\"_ _0\"></span>ef Fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l Of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er (<span class=\"_ _0\"></span>\u201cC<span class=\"_ _0\"></span>FO\u201d<span class=\"_ _0\"></span>) an<span class=\"_ _0\"></span>d Ch<span class=\"_ _0\"></span>ief R<span class=\"_ _0\"></span>isk O<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>r (\u201c<span class=\"_ _0\"></span>CRO<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>). Disc<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns of est<span class=\"_ _0\"></span>imates p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d res<span class=\"_ _0\"></span>ults a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld </div><div class=\"t m1 h7 ff4 fs4 fc5 sc0 lsd wsc gs719\">regularly<span class=\"_ _1\"></span> at Balance Shee<span class=\"_ _1\"></span>t Management<span class=\"_ _1\"></span> and Impairment and<span class=\"_ _1\"></span> Valua<span class=\"_ _1\"></span>tion Committee<span class=\"_ _1\"></span> meetings along<span class=\"_ _1\"></span> with regular<span class=\"_ _1\"></span> updat<span class=\"_ _1\"></span>es </div><div class=\"t m1 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs71a\">provi<span class=\"_ _0\"></span>ded to th<span class=\"_ _0\"></span>e Aud<span class=\"_ _0\"></span>it C<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tee.<span class=\"_ _2d6\"> </span></div><div class=\"t ma h89 ff4 fs27 fc5 sc0 ls17c ws179 gs71b\">Forward<span class=\"_ _1\"></span>-looking inf<span class=\"_ _1\"></span>ormation<span class=\"_ _1\"></span> and scen<span class=\"_ _1\"></span>arios</div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls71 ws2 gs71c\">: The a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for expe<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s requ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d est<span class=\"_ _0\"></span>imat<span class=\"_ _0\"></span>ion to as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls71 ws2 gs71d\">in<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>dua<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>ans o<span class=\"_ _0\"></span>r wh<span class=\"_ _0\"></span>en ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g stat<span class=\"_ _0\"></span>isti<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l mo<span class=\"_ _0\"></span>del<span class=\"_ _0\"></span>s for co<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ive ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>ast expe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>e of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls71 wse7 gs71e\">his<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>cal d<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss t<span class=\"_ _0\"></span>rend<span class=\"_ _0\"></span>s, as wel<span class=\"_ _0\"></span>l as for<span class=\"_ _0\"></span>wa<span class=\"_ _0\"></span>rd-<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ok<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g infor<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n the for<span class=\"_ _0\"></span>m of ma<span class=\"_ _0\"></span>croe<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic s<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>ios </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls71 ws2 gs71f\">gover<span class=\"_ _0\"></span>ned by a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tee, whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>rs ma<span class=\"_ _0\"></span>cro<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>c forec<span class=\"_ _0\"></span>ast<span class=\"_ _0\"></span>s suc<span class=\"_ _0\"></span>h as ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ges i<span class=\"_ _0\"></span>n interes<span class=\"_ _0\"></span>t rates, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls71 ws2 gs720\">GD<span class=\"_ _0\"></span>P an<span class=\"_ _0\"></span>d inf<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red for i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n into sc<span class=\"_ _0\"></span>ena<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>os an<span class=\"_ _0\"></span>d prob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty we<span class=\"_ _0\"></span>ighted<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se sc<span class=\"_ _0\"></span>ena<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>os are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls71 ws2 gs721\">uti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed to de<span class=\"_ _0\"></span>rive a d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t stres<span class=\"_ _0\"></span>s mu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>r in th<span class=\"_ _0\"></span>e uns<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>sed P<span class=\"_ _0\"></span>D proj<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>hed f<span class=\"_ _0\"></span>rom h<span class=\"_ _0\"></span>istor<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>al expe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce<span class=\"_ _2d6\"> </span>.<span class=\"_ _2d6\"> </span></div><div class=\"t ma h89 ff4 fs27 fc5 sc0 ls2 ws2 gs723\">Key chan<span class=\"_ _0\"></span>ges to sc<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>os us<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n 202<span class=\"_ _1\"></span>4</div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs724\">: Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s moved away fro<span class=\"_ _0\"></span>m usi<span class=\"_ _0\"></span>ng ma<span class=\"_ _0\"></span>cro<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>c </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs725\">sce<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>s der<span class=\"_ _0\"></span>ived f<span class=\"_ _0\"></span>rom US m<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>roe<span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>ic dat<span class=\"_ _0\"></span>a (pr<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>ly G<span class=\"_ _0\"></span>DP w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h co<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>lated we<span class=\"_ _0\"></span>ll to US ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e of<span class=\"_ _0\"></span>f rates) toward </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs726\">a focus o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e UK ma<span class=\"_ _0\"></span>cro e<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic d<span class=\"_ _0\"></span>ata al<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g wit<span class=\"_ _0\"></span>h the d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>osa<span class=\"_ _0\"></span>l of the U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs727\">UK<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>spe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c forec<span class=\"_ _0\"></span>ast d<span class=\"_ _0\"></span>ata was obta<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed fro<span class=\"_ _0\"></span>m a th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>cs p<span class=\"_ _0\"></span>rovid<span class=\"_ _0\"></span>er for th<span class=\"_ _0\"></span>ree s<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>ios; a b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ne, ups<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs728\">and d<span class=\"_ _0\"></span>owns<span class=\"_ _0\"></span>ide s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>io. A nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of data p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nts were o<span class=\"_ _0\"></span>btai<span class=\"_ _0\"></span>ned a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red by Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng GD<span class=\"_ _0\"></span>P<span class=\"_ _5\"></span>, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs729\">real e<span class=\"_ _0\"></span>state pr<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s, un<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyment r<span class=\"_ _0\"></span>ates, am<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g othe<span class=\"_ _0\"></span>rs, h<span class=\"_ _0\"></span>owever une<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loym<span class=\"_ _0\"></span>ent he<span class=\"_ _0\"></span>ld t<span class=\"_ _0\"></span>he st<span class=\"_ _0\"></span>rong<span class=\"_ _0\"></span>est c<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs72a\">UK i<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lven<span class=\"_ _0\"></span>cy rates an<span class=\"_ _0\"></span>d was deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d to be mo<span class=\"_ _0\"></span>re su<span class=\"_ _0\"></span>itab<span class=\"_ _0\"></span>le u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er stat<span class=\"_ _0\"></span>isti<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l mo<span class=\"_ _0\"></span>del<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng tec<span class=\"_ _0\"></span>hn<span class=\"_ _0\"></span>iqu<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>. As a res<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs72b\">une<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loym<span class=\"_ _0\"></span>ent was u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d as a si<span class=\"_ _0\"></span>ngl<span class=\"_ _0\"></span>e fac<span class=\"_ _0\"></span>tor forec<span class=\"_ _0\"></span>ast i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>ut for deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng sc<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>os ut<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d for PD stre<span class=\"_ _0\"></span>ss m<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>lie<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs72c\">The s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ios u<span class=\"_ _0\"></span>sed we<span class=\"_ _0\"></span>re as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span></div><div class=\"gs72d\"><table class=\"s w45a hc3\" id=\"_2712c60a-f374-4fa8-a4fe-794b1cd29444\"><tr><td class=\"t m0 x21d hd y2abc ff4 fs6 fc5 sc0 ls13 ws12\">Macroeconomi<span class=\"_ _1\"></span>c driver<span class=\"_ _1\"></span>s <span class=\"ls2 ws2\"> </span></td><td></td><td class=\"t m0 x838 hd y2abc ff4 fs6 fc5 sc0 ls8a ws86\">2025<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x383 hd y2abc ff4 fs6 fc5 sc0 ls53 ws6d\">2026<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x839 hd y2abc ff4 fs6 fc5 sc0 ls34 ws35\">2027<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83a hd y2abc ff4 fs6 fc5 sc0 ls53 ws6d\">2028<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d hd y2abc ff4 fs6 fc5 sc0 lsd6 wscd\">2029<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2abd w45b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">(averag<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e fore<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>st yea<span class=\"_ _0\"></span>r)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x83b y2abd w45c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">ECL scenarios<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x73f hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73c hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83c hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83d hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83e hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a20 w45d h91\"><div class=\"t m0 x1ba hd y27a2 ff3 fs6 fc5 sc0 ls13 ws12\">Unemploymen<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e %<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x83f y2a1f w45e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsc wsb\">Upside<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x840 y2a1f w260 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.97<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x841 y2a1f w1e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.65<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x842 y2a1f w45f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.62<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x843 y2a1f w460 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.6<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x629 y2a1f w461 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.64<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x417 y29b1 w462 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">Base case<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x844 y29b1 w463 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">4.40<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x845 y29b1 w464 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">4.31<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x846 y29b1 w465 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">4<span class=\"_ _0\"></span>.1<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x847 y29b1 w466 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>.06<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x848 y29b1 w467 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4.0<span class=\"_ _0\"></span>0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x849 y27eb w468 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">Dow<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84a y27eb w469 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">5<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84b y27eb w46a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">5.98<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84c y27eb w46b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">6.7<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84d y27eb w46c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">6.71<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84e y27eb w136 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">6.4<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs72e\">A sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ty to th<span class=\"_ _0\"></span>ese as<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>ons o<span class=\"_ _0\"></span>n the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated EC<span class=\"_ _0\"></span>L is dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n note 2.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs72f\">The n<span class=\"_ _0\"></span>ature of th<span class=\"_ _0\"></span>e stre<span class=\"_ _0\"></span>ss fore<span class=\"_ _0\"></span>cas<span class=\"_ _0\"></span>ts was l<span class=\"_ _0\"></span>ower tha<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>ose us<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the p<span class=\"_ _0\"></span>revio<span class=\"_ _0\"></span>us yea<span class=\"_ _0\"></span>r whe<span class=\"_ _0\"></span>re the<span class=\"_ _0\"></span>re was a s<span class=\"_ _0\"></span>hif<span class=\"_ _0\"></span>t away </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs730\">from s<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ter<span class=\"_ _1\"></span>, s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r stre<span class=\"_ _0\"></span>ss fore<span class=\"_ _0\"></span>cas<span class=\"_ _0\"></span>t expec<span class=\"_ _0\"></span>tati<span class=\"_ _0\"></span>ons as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rp i<span class=\"_ _0\"></span>nflat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n and s<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>ply c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>in is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>es to a more </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs731\">\u201c<span class=\"_ _0\"></span>tra<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal<span class=\"_ _2\"></span>\u201d grad<span class=\"_ _0\"></span>ual b<span class=\"_ _0\"></span>ut l<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ger l<span class=\"_ _0\"></span>ast<span class=\"_ _0\"></span>ing s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>s. I<span class=\"_ _0\"></span>n com<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>natio<span class=\"_ _0\"></span>n wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>is mo<span class=\"_ _0\"></span>re mute<span class=\"_ _0\"></span>d stres<span class=\"_ _0\"></span>s mu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ier d<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ived f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs732\">sce<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>s FC shi<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ted its b<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>k weig<span class=\"_ _0\"></span>hti<span class=\"_ _0\"></span>ng fro<span class=\"_ _0\"></span>m 70% base<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ne, 20% down<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>e, 10% ups<span class=\"_ _0\"></span>ide f<span class=\"_ _0\"></span>rom F<span class=\"_ _0\"></span>Y 2023 to 60% </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs733\">bas<span class=\"_ _0\"></span>eli<span class=\"_ _0\"></span>ne, 3<span class=\"_ _0\"></span>0% downs<span class=\"_ _0\"></span>ide a<span class=\"_ _0\"></span>nd 10% u<span class=\"_ _0\"></span>psi<span class=\"_ _0\"></span>de i<span class=\"_ _0\"></span>n 202<span class=\"_ _1\"></span>4 b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>au<span class=\"_ _0\"></span>se in Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e\u2019s j<span class=\"_ _0\"></span>udg<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>re subt<span class=\"_ _0\"></span>le dow<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de </div><div class=\"t m5 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs734\">im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t is mo<span class=\"_ _0\"></span>re pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>le th<span class=\"_ _0\"></span>an t<span class=\"_ _0\"></span>he hi<span class=\"_ _0\"></span>ghe<span class=\"_ _0\"></span>r stre<span class=\"_ _0\"></span>ss us<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>ior yea<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>\u2019s s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ios hav<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ered p<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le we<span class=\"_ _0\"></span>ight<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls2 ws2 gs735\">Cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ri<span class=\"_ _0\"></span>sk as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>ted wi<span class=\"_ _0\"></span>th oth<span class=\"_ _0\"></span>er f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l as<span class=\"_ _0\"></span>sets<span class=\"_ _0\"></span>:<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs736\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss re<span class=\"_ _0\"></span>late to the u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g po<span class=\"_ _0\"></span>ol of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns fro<span class=\"_ _0\"></span>m the l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>acy </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs737\">ware<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>PVs that have si<span class=\"_ _0\"></span>nce b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d or novated i<span class=\"_ _0\"></span>nto other Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s, but r<span class=\"_ _0\"></span>ema<span class=\"_ _0\"></span>in he<span class=\"_ _0\"></span>ld </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs738\">at F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el of ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s for sa<span class=\"_ _0\"></span>le. Ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ly l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nated by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs739\">intenti<span class=\"_ _0\"></span>on of se<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g onwar<span class=\"_ _0\"></span>ds are i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n thi<span class=\"_ _0\"></span>s categ<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>y.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs73a\">T<span class=\"_ _1\"></span>rade r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt the i<span class=\"_ _0\"></span>nvoice<span class=\"_ _0\"></span>d am<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>s in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g fees du<span class=\"_ _0\"></span>e fro<span class=\"_ _0\"></span>m inst<span class=\"_ _0\"></span>itut<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal i<span class=\"_ _0\"></span>nvestors<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs73b\">The r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>ss is d<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>med m<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ima<span class=\"_ _0\"></span>l be<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>use t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>unter<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are wel<span class=\"_ _0\"></span>l est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>hed f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>stitu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs73c\">On<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it eval<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on is p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>d on t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l con<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of othe<span class=\"_ _0\"></span>r rece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s and, w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re ap<span class=\"_ _0\"></span>pro<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>iate, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs73d\">a provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n for expe<span class=\"_ _0\"></span>cted cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>orde<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs73e\">Ot<span class=\"_ _0\"></span>her re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>les i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in s<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es of of<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ces re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt valu<span class=\"_ _0\"></span>e of fut<span class=\"_ _0\"></span>ure su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ease </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs73f\">paym<span class=\"_ _0\"></span>ents re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re app<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ate, impa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt is rec<span class=\"_ _0\"></span>ord<span class=\"_ _0\"></span>ed wh<span class=\"_ _0\"></span>ere t<span class=\"_ _0\"></span>he rec<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e is i<span class=\"_ _0\"></span>n doubt<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs740\">In<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>al ri<span class=\"_ _0\"></span>sk l<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>ts for ba<span class=\"_ _0\"></span>nks a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns are s<span class=\"_ _0\"></span>et by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p wit<span class=\"_ _0\"></span>h referenc<span class=\"_ _0\"></span>e to exter<span class=\"_ _0\"></span>nal r<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g ag<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs741\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s tre<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y po<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>cy has s<span class=\"_ _0\"></span>et li<span class=\"_ _0\"></span>mits a<span class=\"_ _0\"></span>nd q<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>at the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p mus<span class=\"_ _0\"></span>t rema<span class=\"_ _0\"></span>in w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in. N<span class=\"_ _0\"></span>o cre<span class=\"_ _0\"></span>dit o<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>unter<span class=\"_ _0\"></span>par<span class=\"_ _2\"></span>ty </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs742\">li<span class=\"_ _0\"></span>mits we<span class=\"_ _0\"></span>re excee<span class=\"_ _0\"></span>ded d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s cash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h equ<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts sp<span class=\"_ _0\"></span>lit by S<span class=\"_ _0\"></span>&amp;P c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y rati<span class=\"_ _0\"></span>ng we<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs743\">A<span class=\"_ _0\"></span>/A- rated: \u00a35<span class=\"_ _1\"></span>1.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a371.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on), A<span class=\"_ _1\"></span>+ or b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ter rated: \u00a3136.<span class=\"_ _0\"></span>3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3150.<span class=\"_ _1\"></span>1 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) an<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>low </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs744\">A-r<span class=\"_ _0\"></span>ated: \u00a3nil (2023: \u00a3nil).<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsc wsb gs746\">Liquidity risk<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs747\">Liq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y ri<span class=\"_ _0\"></span>sk is t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isk t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up wi<span class=\"_ _0\"></span>ll n<span class=\"_ _0\"></span>ot be ab<span class=\"_ _0\"></span>le to me<span class=\"_ _0\"></span>et its f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>ons as t<span class=\"_ _0\"></span>hey fal<span class=\"_ _0\"></span>l du<span class=\"_ _0\"></span>e. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs748\">ap<span class=\"_ _0\"></span>proa<span class=\"_ _0\"></span>ch to ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g li<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y is to en<span class=\"_ _0\"></span>sure, as f<span class=\"_ _0\"></span>ar as p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e, that i<span class=\"_ _0\"></span>t wil<span class=\"_ _0\"></span>l al<span class=\"_ _0\"></span>ways have suf<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ent f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial re<span class=\"_ _0\"></span>sou<span class=\"_ _0\"></span>rce<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs749\">to meet it<span class=\"_ _0\"></span>s lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies w<span class=\"_ _0\"></span>hen d<span class=\"_ _0\"></span>ue, un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r both n<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>l and s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d con<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns, wi<span class=\"_ _0\"></span>tho<span class=\"_ _0\"></span>ut in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ing u<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>cce<span class=\"_ _0\"></span>ptab<span class=\"_ _0\"></span>le l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs74a\">ris<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng d<span class=\"_ _0\"></span>ama<span class=\"_ _0\"></span>ge to the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs74b\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s l<span class=\"_ _0\"></span>iqu<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on is m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>itore<span class=\"_ _0\"></span>d and rev<span class=\"_ _0\"></span>iewed o<span class=\"_ _0\"></span>n an o<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>oin<span class=\"_ _0\"></span>g bas<span class=\"_ _0\"></span>is by th<span class=\"_ _0\"></span>e Di<span class=\"_ _0\"></span>rector<span class=\"_ _0\"></span>s. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs74c\">The a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he fol<span class=\"_ _0\"></span>lowi<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>re the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al u<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unted c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows<span class=\"_ _0\"></span>. The l<span class=\"_ _0\"></span>iq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ents </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs74d\">of ban<span class=\"_ _0\"></span>k bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s are m<span class=\"_ _0\"></span>et from c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows gen<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated by investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n FlexiP<span class=\"_ _0\"></span>ay lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs74e\">The m<span class=\"_ _0\"></span>atur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y ana<span class=\"_ _0\"></span>lysi<span class=\"_ _0\"></span>s of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 and 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023 is as fol<span class=\"_ _0\"></span>lows: </div><div class=\"gs74f\"><table class=\"s w46d hc4\" id=\"_69e93bc9-69bb-443c-878c-14c39d079fa5\"><tr><td></td><td></td><td class=\"t m0 x84f h38 y2abf ff2 fs19 fc3 sc0 ls120 ws118\">Between<span class=\"_ _2d6\"> </span></td><td></td><td></td><td class=\"t m0 x850 h38 y2abf ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x851 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Le<span class=\"_ _0\"></span>ss t<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x852 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs a<span class=\"_ _0\"></span>nd<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x853 h38 y2ac0 ff2 fs19 fc3 sc0 ls120 ws118\">Between<span class=\"_ _1\"></span> 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x854 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Ove<span class=\"_ _0\"></span>r </td><td class=\"t m0 x855 h38 y2ac0 ff2 fs19 fc3 sc0 lse4 wsdd\">undiscounted<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x856 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>t of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x857 h38 y2ac0 ff2 fs19 fc3 sc0 lsd0 wsc7\">Carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x858 h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x859 h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">1 yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85a h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d 5 yea<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6cc h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">5 yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x7d4 h38 y2ac1 ff2 fs19 fc3 sc0 lscf wsc6\">cash flo<span class=\"_ _1\"></span>ws<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x561 h38 y2ac1 ff11 fs19 fc3 sc0 lse4 wsdd\">discounting\u200a</td><td class=\"t m0 x85b h38 y2ac1 ff2 fs19 fc3 sc0 ls3e ws3f\">amou<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h38 y2ac2 ff6 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85c h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85d h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ed h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a5 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2ac3 ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2949 w46e h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">paya<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x85e y294a w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x85f y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x860 y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x861 y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x862 y294a w46f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x863 y294a w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>8.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y294b wd0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x864 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x865 y294c w470 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>1.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x866 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x633 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x867 y294c w3f0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x868 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56d y294c w471 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ac4 ff4 fs6 fc5 sc0 ls2 ws2\">Loan re<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2a65 w472 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">liability</div><div class=\"t m0 x869 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86a y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86b y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86c y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86d y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86e y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86f y27e7 w28 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x870 y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f wd8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x871 y2aa1 w473 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x872 y2aa1 w474 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x873 y2aa1 w1f9 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x874 y2aa1 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x875 y2aa1 w475 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>9.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x876 y2aa1 w476 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x877 y2aa1 w3bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x878 y27eb w477 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls8b ws87\">(8.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x879 y27eb w478 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf8 wsf1\">(10<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87a y27eb w479 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87b y27eb w1c h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87c y27eb w47a h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf5 wsee\">(119<span class=\"_ _0\"></span>.5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87d y27eb w476 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87e y27eb w47b h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"gs750\"><table class=\"s w47c hc5\" id=\"_67c3eb15-9414-4272-908a-38a7ce2e0dcc\"><tr><td></td><td></td><td class=\"t m0 x87f h35 y2ac5 ff4 fs19 fc5 sc0 lscf wsc6\">Between<span class=\"_ _2d6\"> </span></td><td></td><td></td><td class=\"t m0 x253 h35 y2ac5 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x858 h35 y2ac6 ff4 fs19 fc5 sc0 lsf1 wsea\">Less than<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x880 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nth<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e4 h35 y2ac6 ff4 fs19 fc5 sc0 lscf wsc6\">Between<span class=\"_ _1\"></span> 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x854 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">Ove<span class=\"_ _0\"></span>r </td><td class=\"t m0 x881 h35 y2ac6 ff4 fs19 fc5 sc0 lse4 wsdd\">undiscount<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x7d9 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x882 h35 y2ac6 ff4 fs19 fc5 sc0 lsd0 wsc7\">Carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x858 h35 y2ac7 ff4 fs19 fc5 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nth<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x859 h35 y2ac7 ff4 fs19 fc5 sc0 ls2 ws2\">1 yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x883 h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">and 5<span class=\"_ _1\"></span> years<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x884 h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">5 y<span class=\"_ _1\"></span>ears<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x885 h35 y2ac7 ff4 fs19 fc5 sc0 lse5 wsde\">cash<span class=\"_ _1\"></span> flows<span class=\"_ _2d6\"> </span></td><td class=\"c x887 y2ac8 w47d h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">discounting</div><div class=\"t m0 x886 h2b y291a ff4 fs17 fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x7de h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h35 y2ac9 ff4 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x888 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85d h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ed h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ee h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2aca ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2936 w46e h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">paya<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x889 y2936 w47e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88a y2936 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88b y2936 w47f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a8 y2936 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88c y2936 w480 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f8 y2936 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x209 y2936 w481 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2acb wd0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x864 y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88d y2acb w237 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">(54.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88e y2acb w482 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88f y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x890 y2acb w3bd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x891 y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x892 y2acb w15d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2acc ff4 fs6 fc5 sc0 ls2 ws2\">Loan re<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y288f w472 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">liability</div><div class=\"t m0 x869 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x893 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x894 y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x895 y288f w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x896 y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x897 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x898 y288f w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x899 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 wd8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89a y2830 w483 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89b y2830 w484 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89c y2830 w485 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89d y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89e y2830 w486 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">(<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89f y2830 w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a0 y2830 w3c0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">(12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x8a1 y27eb w487 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a2 y27eb w488 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(60<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a3 y27eb w489 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a4 y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a5 y27eb w48a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>10<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a6 y27eb w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a7 y27eb w48b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>4.6)<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls85 ws81 gs751\">1.<span class=\"_ _1\"></span> <span class=\"_ _1f\"> </span>Financial guarant<span class=\"_ _1\"></span>ees pro<span class=\"_ _1\"></span>vided for<span class=\"_ _1\"></span> in the loan<span class=\"_ _1\"></span> repurchase<span class=\"_ _1\"></span> liability are allocat<span class=\"_ _1\"></span>ed to<span class=\"_ _1\"></span> the earliest<span class=\"_ _1\"></span> period in w<span class=\"_ _1\"></span>hich the guaran<span class=\"_ _1\"></span>tee could<span class=\"_ _1\"></span> possibly be<span class=\"_ _1\"></span> called.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs752\">Ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>e drawn b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e on a c<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ted le<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ing fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y i<span class=\"_ _0\"></span>n the Fl<span class=\"_ _0\"></span>exiPay wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e of \u00a3101.9 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs753\">(202<span class=\"_ _1\"></span>3: \u00a354<span class=\"_ _0\"></span>.7 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) at a fl<span class=\"_ _0\"></span>oati<span class=\"_ _0\"></span>ng rate of intere<span class=\"_ _0\"></span>st bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A pl<span class=\"_ _0\"></span>us a ma<span class=\"_ _0\"></span>rgi<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>ey previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly a<span class=\"_ _0\"></span>lso c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs754\">draw<span class=\"_ _0\"></span>n amo<span class=\"_ _0\"></span>unts i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>S of $2.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n in 2023 on th<span class=\"_ _0\"></span>e PPP Li<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ty Faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty avai<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e from t<span class=\"_ _0\"></span>he Fe<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>al Re<span class=\"_ _0\"></span>ser<span class=\"_ _2\"></span>ve Bank </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs755\">at a fixe<span class=\"_ _0\"></span>d interes<span class=\"_ _0\"></span>t rate of 0.35%.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsc wsb gs756\">Marke<span class=\"_ _1\"></span>t risk<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs757\">Ma<span class=\"_ _0\"></span>rket ris<span class=\"_ _0\"></span>k is th<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk th<span class=\"_ _0\"></span>at the fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of a fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent wi<span class=\"_ _0\"></span>ll f<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ctuate be<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>use of c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs758\">in ma<span class=\"_ _0\"></span>rket pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ma<span class=\"_ _0\"></span>rket ri<span class=\"_ _0\"></span>sk ar<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>es fro<span class=\"_ _0\"></span>m op<span class=\"_ _0\"></span>en po<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s in i<span class=\"_ _0\"></span>nterest-bea<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es, to the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs759\">extent th<span class=\"_ _0\"></span>at the<span class=\"_ _0\"></span>se are exp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d to gen<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic ma<span class=\"_ _0\"></span>rket movem<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>. </div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls2 ws2 gs75a\">a) Othe<span class=\"_ _0\"></span>r p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs75b\">The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>n fl<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>ate dep<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g on ma<span class=\"_ _0\"></span>rket </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs75c\">pr<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ng of re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve interest r<span class=\"_ _0\"></span>ates and c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ri<span class=\"_ _0\"></span>sk<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>is is ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cted in t<span class=\"_ _0\"></span>he di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt rate us<span class=\"_ _0\"></span>ed to de<span class=\"_ _0\"></span>rive a va<span class=\"_ _0\"></span>luat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs75d\">lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets. T<span class=\"_ _0\"></span>he di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt r<span class=\"_ _0\"></span>ates use<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets me<span class=\"_ _0\"></span>asur<span class=\"_ _0\"></span>ed at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs75e\">not co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be a m<span class=\"_ _0\"></span>ateria<span class=\"_ _0\"></span>l so<span class=\"_ _0\"></span>urce of e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on un<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>nty a<span class=\"_ _0\"></span>nd a s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is has n<span class=\"_ _0\"></span>ot be<span class=\"_ _0\"></span>en d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>los<span class=\"_ _0\"></span>ed.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls2 ws2 gs760\">b) Intere<span class=\"_ _0\"></span>st r<span class=\"_ _0\"></span>ate ri<span class=\"_ _0\"></span>sk<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs761\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is expo<span class=\"_ _0\"></span>sed to i<span class=\"_ _0\"></span>nterest rate r<span class=\"_ _0\"></span>isk i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh d<span class=\"_ _0\"></span>rawn c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>ted b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>g fac<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs762\">and o<span class=\"_ _0\"></span>n f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>. </div><div class=\"t m9 h87 ff6 fs26 fc5 sc0 ls171 ws172 gs763\">Non-t<span class=\"_ _1\"></span>rading int<span class=\"_ _1\"></span>erest rat<span class=\"_ _1\"></span>e risk<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs764\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>isk o<span class=\"_ _0\"></span>n f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>s li<span class=\"_ _0\"></span>mited to intere<span class=\"_ _0\"></span>st re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e on l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n note investm<span class=\"_ _0\"></span>ents, c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h and </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs765\">cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nt ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ces a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest o<span class=\"_ _0\"></span>n bo<span class=\"_ _0\"></span>nds a<span class=\"_ _0\"></span>nd b<span class=\"_ _0\"></span>ank b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>. The m<span class=\"_ _0\"></span>atur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es of f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs766\">to interest r<span class=\"_ _0\"></span>ate risk a<span class=\"_ _0\"></span>re as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span></div><div class=\"gs767\"><table class=\"s w48c hc6\" id=\"_53e00aa9-d717-47a7-ab62-7f12df2b4a20\"><tr><td></td><td class=\"c n x8a8 y2acd w48d h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Les<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>an 3 m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ths<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td class=\"c n x8a9 y2acd w48e h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">B<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n 3 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs a<span class=\"_ _0\"></span>nd 1 ye<span class=\"_ _0\"></span>ar<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8aa y2acd w48f h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Bet<span class=\"_ _0\"></span>we<span class=\"_ _0\"></span>en 1 a<span class=\"_ _0\"></span>nd 5 y<span class=\"_ _0\"></span>ea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8ab h38 y2ace ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ac h35 y2ace ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4f6 h38 y2ace ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x839 h35 y2ace ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1bd h38 y2ace ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2ace ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2acf ff4 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ad h38 y2acf ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2b4 h35 y2acf ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ae h38 y2acf ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x732 h35 y2acf ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h38 y2acf ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2acf ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2ad0 ff6 fs6 fc5 sc0 lsf8 wsf1\">Fi<span class=\"_ _0\"></span>xed r<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>te<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2887 w490 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8af y2888 w1f0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89c y2887 w396 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b0 y2888 wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b1 y2887 w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b2 y2888 w360 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b3 y2887 w272 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2ad1 w3aa h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">co-i<span class=\"_ _0\"></span>nv<span class=\"_ _1\"></span>estments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b4 y2ad2 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b5 y2ad1 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b6 y2ad2 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b7 y2ad1 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b8 y2ad2 wad h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5da y2ad1 w3c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">25<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2ad3 wbd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b9 y2ad4 w491 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">49<span class=\"_ _1\"></span>.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ba y2ad3 w492 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5<span class=\"_ _0\"></span>0.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8bb y2ad4 w493 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">4<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8bc y2ad3 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8bd y2ad4 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8be y2ad3 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2ad5 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2903 w494 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">and loss</div><div class=\"t m0 x8bf h3b y2a0a ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2904 wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c1 y2903 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c2 y2904 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c3 y2903 w495 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">13.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c4 y2904 w161 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c5 y2903 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2905 w496 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings</div><div class=\"t m0 x8c6 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c7 y2906 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c8 y2905 w1c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c9 y2906 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ca y2905 w1c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cb y2906 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cc y2905 w497 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y2ad6 ff6 fs6 fc5 sc0 lsff wsf8\">Floati<span class=\"_ _0\"></span>ng rate<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27e7 wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cd y27e8 wc5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ce y27e7 w498 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">221.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cf y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d0 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d1 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d2 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2830 w496 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings</div><div class=\"t m0 x8c6 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c7 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c8 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d3 y282f w3f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d4 y2830 w499 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">(54.<span class=\"_ _1\"></span>7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d5 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d6 y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x8d7 y27ec w49a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">238.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d8 y27eb w49b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d9 y27ec w49c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">(54.5<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8da y27eb w49d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(40.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8db y27ec w49e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8dc y27eb w49f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32<span class=\"_ _0\"></span>.5<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs768\">1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Th<span class=\"_ _0\"></span>e SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns h<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t fai<span class=\"_ _0\"></span>r va<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ue t<span class=\"_ _0\"></span>hr<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s ar<span class=\"_ _0\"></span>e cl<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t on t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>et, r<span class=\"_ _0\"></span>ef<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>t th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>d to se<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>l. T<span class=\"_ _0\"></span>he a<span class=\"_ _0\"></span>bov<span class=\"_ _0\"></span>e ta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e </div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls12 ws11 gs769\">represen<span class=\"_ _1\"></span>ts the<span class=\"_ _1\"></span> contractual ma<span class=\"_ _1\"></span>turities.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs76a\">2.   <span class=\"_ _b\"></span>I<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ve yea<span class=\"_ _0\"></span>r e<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed 31 D<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>r 2023<span class=\"_ _0\"></span>, th<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ixe<span class=\"_ _0\"></span>d ra<span class=\"_ _0\"></span>te ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>owi<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>gs a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>d at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d c<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>t in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>\u2019s dr<span class=\"_ _0\"></span>aw<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g of th<span class=\"_ _0\"></span>e PP<span class=\"_ _0\"></span>P </div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs76b\">Li<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ty Fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e US i<span class=\"_ _0\"></span>n or<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r to f<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>d PP<span class=\"_ _0\"></span>P lo<span class=\"_ _0\"></span>an o<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>e we<span class=\"_ _0\"></span>re c<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>d as n<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-c<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t on t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>t, a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>he a<span class=\"_ _0\"></span>bo<span class=\"_ _0\"></span>ve ta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e re<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>nts t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs76c\">co<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>l ma<span class=\"_ _0\"></span>tu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>, al<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h th<span class=\"_ _0\"></span>e PP<span class=\"_ _0\"></span>P lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ld h<span class=\"_ _0\"></span>ave b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n fo<span class=\"_ _0\"></span>rg<span class=\"_ _0\"></span>ive<span class=\"_ _0\"></span>n by t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>BA a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>d li<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y co<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d ha<span class=\"_ _0\"></span>ve be<span class=\"_ _0\"></span>en r<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>id f<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>ds w<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>in </div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs76d\">12 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs of t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>et da<span class=\"_ _0\"></span>te. T<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>oat<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ate b<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>k b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>row<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>s re<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t th<span class=\"_ _0\"></span>e fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y in t<span class=\"_ _0\"></span>he F<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>xi<span class=\"_ _0\"></span>Pay w<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>se u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d to o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ate l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>s of cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs76e\">The<span class=\"_ _0\"></span>re are n<span class=\"_ _0\"></span>o fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies w<span class=\"_ _0\"></span>ith a matu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty of over f<span class=\"_ _0\"></span>ive yea<span class=\"_ _0\"></span>rs.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc5 sc0 ls171 ws172 gs76f\">Int<span class=\"_ _1\"></span>erest rat<span class=\"_ _1\"></span>e risk s<span class=\"_ _1\"></span>ensitivity analy<span class=\"_ _1\"></span>sis \u2013<span class=\"_ _1\"></span> non-trading<span class=\"_ _1\"></span> intere<span class=\"_ _1\"></span>st (fix<span class=\"_ _1\"></span>ed rat<span class=\"_ _1\"></span>e)<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs770\">Interes<span class=\"_ _0\"></span>t on S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d on th<span class=\"_ _0\"></span>e PPPLF b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs (i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e US) was f<span class=\"_ _0\"></span>ixed unt<span class=\"_ _0\"></span>il th<span class=\"_ _0\"></span>e matur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d is n<span class=\"_ _0\"></span>ot </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs771\">im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>ted by mar<span class=\"_ _0\"></span>ket rate chan<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s. A<span class=\"_ _0\"></span>ll re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>g US b<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ies we<span class=\"_ _0\"></span>re repa<span class=\"_ _0\"></span>id du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he year to 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs772\">and a<span class=\"_ _0\"></span>ll ot<span class=\"_ _0\"></span>her U<span class=\"_ _0\"></span>S SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets s<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024. The level of f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re interes<span class=\"_ _0\"></span>t rate rece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs773\">woul<span class=\"_ _0\"></span>d be s<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ila<span class=\"_ _0\"></span>r to that re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>ved in t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r and t<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct of movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n interes<span class=\"_ _0\"></span>t rates on t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>ue of t<span class=\"_ _0\"></span>he as<span class=\"_ _0\"></span>sets is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs774\">con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>materi<span class=\"_ _0\"></span>al to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s overal<span class=\"_ _0\"></span>l pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc5 sc0 ls171 ws172 gs776\">Int<span class=\"_ _1\"></span>erest rat<span class=\"_ _1\"></span>e risk s<span class=\"_ _1\"></span>ensitivity analy<span class=\"_ _1\"></span>sis \u2013<span class=\"_ _1\"></span> non-trading<span class=\"_ _1\"></span> intere<span class=\"_ _1\"></span>st (floa<span class=\"_ _1\"></span>ting rat<span class=\"_ _1\"></span>e)<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs777\">Interes<span class=\"_ _0\"></span>t on c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es is s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n bas<span class=\"_ _0\"></span>e rates. T<span class=\"_ _0\"></span>he D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tors m<span class=\"_ _0\"></span>oni<span class=\"_ _0\"></span>tor intere<span class=\"_ _0\"></span>st </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs778\">rate ris<span class=\"_ _0\"></span>k an<span class=\"_ _0\"></span>d note that b<span class=\"_ _0\"></span>ase r<span class=\"_ _0\"></span>ates are anti<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pated to dec<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in t<span class=\"_ _0\"></span>he ne<span class=\"_ _0\"></span>ar ter<span class=\"_ _0\"></span>m. A 10<span class=\"_ _0\"></span>0b<span class=\"_ _0\"></span>ps de<span class=\"_ _0\"></span>cre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n ann<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs779\">interes<span class=\"_ _0\"></span>t rates ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d to cash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>es FC ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>s in intere<span class=\"_ _0\"></span>st b<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs77a\">would<span class=\"_ _1\"></span> decrease in<span class=\"_ _1\"></span>tere<span class=\"_ _1\"></span>st income b<span class=\"_ _1\"></span>y \u00a35<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>1 million.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs77b\">Interes<span class=\"_ _0\"></span>t on b<span class=\"_ _0\"></span>ank b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs re<span class=\"_ _0\"></span>lated to th<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t are su<span class=\"_ _0\"></span>bj<span class=\"_ _0\"></span>ect to movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n the S<span class=\"_ _0\"></span>ter<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>g Over<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ght </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs77c\">In<span class=\"_ _0\"></span>dex Av<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge Rate (\u201c<span class=\"_ _0\"></span>S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA\u201d). The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y protec<span class=\"_ _0\"></span>ted its<span class=\"_ _0\"></span>elf t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh t<span class=\"_ _0\"></span>he us<span class=\"_ _0\"></span>e of an i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate cap wi<span class=\"_ _0\"></span>th a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs77d\">str<span class=\"_ _0\"></span>ike pr<span class=\"_ _0\"></span>ice of 6<span class=\"_ _0\"></span>.5% and a n<span class=\"_ _0\"></span>otio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l amo<span class=\"_ _0\"></span>unt th<span class=\"_ _0\"></span>at in<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n lin<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>th the p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d drawdow<span class=\"_ _0\"></span>ns on t<span class=\"_ _0\"></span>he se<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>or b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs77e\">faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty. The fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e of the i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate cap i<span class=\"_ _0\"></span>s not mater<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l to the G<span class=\"_ _0\"></span>roup.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs77f\">If SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A were to in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se by 10<span class=\"_ _0\"></span>0 bps<span class=\"_ _0\"></span>, base<span class=\"_ _0\"></span>d on t<span class=\"_ _0\"></span>he dr<span class=\"_ _0\"></span>awn ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, the a<span class=\"_ _0\"></span>nnu<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs780\">expen<span class=\"_ _0\"></span>se rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>osts wo<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e by \u00a31.0 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a30.5 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) (in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng any i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct of th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs781\">interes<span class=\"_ _0\"></span>t rate ca<span class=\"_ _0\"></span>p)<span class=\"_ _1\"></span>. Add<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, whi<span class=\"_ _0\"></span>le t<span class=\"_ _0\"></span>he fees c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d on Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>re fi<span class=\"_ _0\"></span>xed for th<span class=\"_ _0\"></span>e dur<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of in<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>dua<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs782\">drawdow<span class=\"_ _0\"></span>ns, du<span class=\"_ _0\"></span>e to the sh<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _1\"></span>-term a<span class=\"_ _0\"></span>nd revol<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ng natu<span class=\"_ _0\"></span>re of the p<span class=\"_ _0\"></span>rod<span class=\"_ _0\"></span>uct, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ca<span class=\"_ _0\"></span>n repr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e the fe<span class=\"_ _0\"></span>es ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs783\">drawdow<span class=\"_ _0\"></span>ns at sh<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t n<span class=\"_ _0\"></span>otic<span class=\"_ _0\"></span>e in o<span class=\"_ _0\"></span>rder to ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>ge intere<span class=\"_ _0\"></span>st rate ri<span class=\"_ _0\"></span>sk of th<span class=\"_ _0\"></span>e fl<span class=\"_ _0\"></span>oati<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ate bor<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>. Interes<span class=\"_ _0\"></span>t cha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs784\">Cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ca<span class=\"_ _0\"></span>rd ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s outs<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g is re<span class=\"_ _0\"></span>gul<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ly u<span class=\"_ _0\"></span>pdated to a<span class=\"_ _0\"></span>lig<span class=\"_ _0\"></span>n wit<span class=\"_ _0\"></span>h prevai<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng ma<span class=\"_ _0\"></span>rket rates of i<span class=\"_ _0\"></span>nterest a<span class=\"_ _0\"></span>nd are </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs785\">als<span class=\"_ _0\"></span>o sh<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t-term in n<span class=\"_ _0\"></span>ature. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s not co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>nterest rate r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs786\">So<span class=\"_ _0\"></span>me of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s investm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>sts are t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h wareh<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>se vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ere t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup i<span class=\"_ _0\"></span>s a mi<span class=\"_ _0\"></span>nor<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nvestor<span class=\"_ _1\"></span>. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs787\">The s<span class=\"_ _0\"></span>eni<span class=\"_ _0\"></span>or b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ng fac<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es ut<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>ese ve<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s rece<span class=\"_ _0\"></span>ive intere<span class=\"_ _0\"></span>st on b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs i<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y to paym<span class=\"_ _0\"></span>ents to the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs788\">eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y investo<span class=\"_ _0\"></span>rs at SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A pl<span class=\"_ _0\"></span>us a ma<span class=\"_ _0\"></span>rgi<span class=\"_ _0\"></span>n. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se in S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA s<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ce th<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>epti<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e vehic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs789\">the i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>d bo<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>owin<span class=\"_ _0\"></span>g cost<span class=\"_ _0\"></span>s have redu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d the exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h retur<span class=\"_ _0\"></span>ns to the e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nvestors of t<span class=\"_ _0\"></span>he invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs78a\">hel<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he st<span class=\"_ _0\"></span>atement of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs78b\">com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inco<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>. Som<span class=\"_ _0\"></span>e, bu<span class=\"_ _0\"></span>t not al<span class=\"_ _0\"></span>l of the ve<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s, ha<span class=\"_ _0\"></span>d interest r<span class=\"_ _0\"></span>ate cap<span class=\"_ _0\"></span>s or i<span class=\"_ _0\"></span>nterest rate swa<span class=\"_ _0\"></span>ps wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the<span class=\"_ _0\"></span>ir </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs78c\">str<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>res wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h ca<span class=\"_ _0\"></span>n mit<span class=\"_ _0\"></span>igate th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of futu<span class=\"_ _0\"></span>re rate ris<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng lever<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ed wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e vehi<span class=\"_ _0\"></span>cle<span class=\"_ _0\"></span>s, wh<span class=\"_ _0\"></span>ich </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs78d\">previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly di<span class=\"_ _0\"></span>d not h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d he<span class=\"_ _0\"></span>dgi<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents, e<span class=\"_ _0\"></span>ntered i<span class=\"_ _0\"></span>nto cap o<span class=\"_ _0\"></span>r swap a<span class=\"_ _0\"></span>gre<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ents du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls45 wsb2 gs78e\">2024 and<span class=\"_ _0\"></span> 2023.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs78f\">The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>re no l<span class=\"_ _0\"></span>ong<span class=\"_ _0\"></span>er c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to b<span class=\"_ _0\"></span>e sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ive to fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs790\">in SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A o<span class=\"_ _0\"></span>r the p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ected S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA r<span class=\"_ _0\"></span>ates as a resu<span class=\"_ _0\"></span>lt of h<span class=\"_ _0\"></span>edg<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g in p<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls16f ws170 gs791\">c<span class=\"_ _1\"></span>) Sensitivity analysis<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws123 gs792\">IFR<span class=\"_ _0\"></span>S 7 requ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>s dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>osur<span class=\"_ _0\"></span>e of sens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ysis for e<span class=\"_ _0\"></span>ach t<span class=\"_ _0\"></span>yp<span class=\"_ _0\"></span>e of ma<span class=\"_ _0\"></span>rket ris<span class=\"_ _0\"></span>k to whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s expos<span class=\"_ _0\"></span>ed at th<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs793\">date show<span class=\"_ _0\"></span>ing h<span class=\"_ _0\"></span>ow prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y wou<span class=\"_ _0\"></span>ld h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n affe<span class=\"_ _0\"></span>cted by ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the re<span class=\"_ _0\"></span>leva<span class=\"_ _0\"></span>nt ris<span class=\"_ _0\"></span>k var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>les t<span class=\"_ _0\"></span>hat were </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs794\">reaso<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>bly p<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le at th<span class=\"_ _0\"></span>at date. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs795\">As di<span class=\"_ _0\"></span>scu<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d ab<span class=\"_ _0\"></span>ove, the Gr<span class=\"_ _0\"></span>oup d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot have sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to pri<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>r cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ow ri<span class=\"_ _0\"></span>sk an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>refore no </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs796\">sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ty a<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ysis for t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ris<span class=\"_ _0\"></span>ks has b<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls2 ws2 gs797\">d) Fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n excha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs798\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated inter<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>lly a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>s expos<span class=\"_ _0\"></span>ed to forei<span class=\"_ _0\"></span>gn excha<span class=\"_ _0\"></span>nge r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng fro<span class=\"_ _0\"></span>m var<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>us cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy expo<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>s, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs799\">pr<span class=\"_ _0\"></span>ima<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ly wi<span class=\"_ _0\"></span>th res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct to the US d<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, the U<span class=\"_ _0\"></span>K po<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>d sterl<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d the e<span class=\"_ _0\"></span>uro. Fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge r<span class=\"_ _0\"></span>isk a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ses fr<span class=\"_ _0\"></span>om fu<span class=\"_ _0\"></span>ture </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs79a\">commercial<span class=\"_ _1\"></span> transactions,<span class=\"_ _1\"></span> recognised a<span class=\"_ _1\"></span>ssets and<span class=\"_ _1\"></span> liabilities and<span class=\"_ _1\"></span> net in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>ts in f<span class=\"_ _1\"></span>oreign opera<span class=\"_ _1\"></span>tions.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs79b\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>icy is<span class=\"_ _0\"></span>, whe<span class=\"_ _0\"></span>re pos<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e, to allow G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s to sett<span class=\"_ _0\"></span>le l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s den<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>inate<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>eir f<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs79c\">cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h ge<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>ated fro<span class=\"_ _0\"></span>m the<span class=\"_ _0\"></span>ir own o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons i<span class=\"_ _0\"></span>n that c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy<span class=\"_ _1\"></span>. W<span class=\"_ _0\"></span>here G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es have li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs79d\">den<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>inated i<span class=\"_ _0\"></span>n a cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy oth<span class=\"_ _0\"></span>er t<span class=\"_ _0\"></span>han t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r fun<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy (and h<span class=\"_ _0\"></span>ave insu<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>nt rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ves of that c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy to sett<span class=\"_ _0\"></span>le </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs79e\">the<span class=\"_ _0\"></span>m)<span class=\"_ _1\"></span>, c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>lre<span class=\"_ _0\"></span>ady de<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>nated in t<span class=\"_ _0\"></span>hat cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy w<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>, whe<span class=\"_ _0\"></span>re pos<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e, be tr<span class=\"_ _0\"></span>ansfe<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d from e<span class=\"_ _0\"></span>lsew<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs79f\">Ap<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t fr<span class=\"_ _0\"></span>om th<span class=\"_ _0\"></span>ese p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>icu<span class=\"_ _0\"></span>lar c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ai<span class=\"_ _0\"></span>ms to fun<span class=\"_ _0\"></span>d expe<span class=\"_ _0\"></span>nses a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in t<span class=\"_ _0\"></span>he res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7a0\">and to ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>ge fore<span class=\"_ _0\"></span>ign exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk at a l<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>al leve<span class=\"_ _0\"></span>l by matchi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy in w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me is g<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>erated a<span class=\"_ _0\"></span>nd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7a1\">expen<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7a2\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ha<span class=\"_ _0\"></span>d cer<span class=\"_ _2\"></span>tain invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in fore<span class=\"_ _0\"></span>ign o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>, who<span class=\"_ _0\"></span>se net as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>re expos<span class=\"_ _0\"></span>ed to forei<span class=\"_ _0\"></span>gn c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rency </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3d ws3e gs7a3\">translat<span class=\"_ _1\"></span>ion risk.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7a5\">The t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>low s<span class=\"_ _0\"></span>ets ou<span class=\"_ _0\"></span>t the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>res fro<span class=\"_ _0\"></span>m fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>ld by G<span class=\"_ _0\"></span>roup c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>nies </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs7a6\">in curr<span class=\"_ _1\"></span>encies other<span class=\"_ _1\"></span> than their<span class=\"_ _1\"></span> functional curr<span class=\"_ _1\"></span>encies and r<span class=\"_ _1\"></span>esulting in e<span class=\"_ _1\"></span>xchange<span class=\"_ _1\"></span> mov<span class=\"_ _1\"></span>ements in<span class=\"_ _1\"></span> the income st<span class=\"_ _1\"></span>atemen<span class=\"_ _1\"></span>t and </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs7a7\">balance sheet.<span class=\"_ _2d6\"> </span></div><div class=\"gs7a8\"><table class=\"s w4a0 hc7\" id=\"_ab7a6c42-a647-4129-966b-0d8fa348c227\"><tr><td></td><td></td><td class=\"c n x8dd y2ad7 w3a3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2<span class=\"_ _0\"></span>024<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x8de y2ad7 w4a1 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2<span class=\"_ _0\"></span>023<span class=\"_ _2d6\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x8df h38 y2ad8 ff2 fs19 fc3 sc0 lse5 wsde\">USD<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e0 h38 y2ad8 ff2 fs19 fc3 sc0 ls148 ws143\">GBP<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x796 h38 y2ad8 ff2 fs19 fc3 sc0 ls13c ws136\">EUR<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x794 h38 y2ad8 ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e1 h35 y2ad8 ff4 fs19 fc5 sc0 ls101 wsfa\">USD<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2ac h35 y2ad8 ff4 fs19 fc5 sc0 ls144 ws13f\">GBP<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e2 h35 y2ad8 ff4 fs19 fc5 sc0 ls152 ws150\">EUR<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2ad8 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x8e3 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e4 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x741 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x795 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x743 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x744 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y2ada ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2adb w4a2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsc wsb\">equivalen<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e5 y2adc w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e6 y2adc w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e7 y2adc w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e8 y2adc w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e9 y2adb w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ea y2adb w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8eb y2adb w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ec y2adb w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2add w4a3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Intr<span class=\"_ _0\"></span>a-<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p as<span class=\"_ _0\"></span>sets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ed y2ade w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ee y2ade w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ef y2ade wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f0 y2ade wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f1 y2add w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f2 y2add w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f3 y2add w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d2 y2add w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2adf ff4 fs6 fc5 sc0 ls2 ws2\">Intr<span class=\"_ _0\"></span>a-<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27eb w4a4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">liabilitie<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f4 y27ec w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ee y27ec w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f5 y27ec w68 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f6 y27ec w3d h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0<span class=\"_ _0\"></span>.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f7 y27eb w2e2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f8 y27eb w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f9 y27eb wcf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8fa y27eb w4a5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(45<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7a9\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sed t<span class=\"_ _0\"></span>he se<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>tiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to a 10% dep<span class=\"_ _0\"></span>reci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d 10% ap<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ciat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n in p<span class=\"_ _0\"></span>oun<span class=\"_ _0\"></span>d ster<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst th<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>evant </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7aa\">forei<span class=\"_ _0\"></span>gn cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>es. W<span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>e 5% is the se<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>tiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y rate use<span class=\"_ _0\"></span>d wh<span class=\"_ _0\"></span>en rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting fore<span class=\"_ _0\"></span>ign c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy ris<span class=\"_ _0\"></span>k inter<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly to se<span class=\"_ _0\"></span>nio<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs7ab\">management<span class=\"_ _1\"></span> personnel, in li<span class=\"_ _1\"></span>ght of<span class=\"_ _1\"></span> recent fluc<span class=\"_ _1\"></span>tuations<span class=\"_ _1\"></span> in for<span class=\"_ _1\"></span>eign ex<span class=\"_ _1\"></span>change ra<span class=\"_ _1\"></span>tes,<span class=\"_ _1\"></span> 10% r<span class=\"_ _1\"></span>epresents<span class=\"_ _1\"></span> management\u2019s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7ac\">cur<span class=\"_ _0\"></span>rent a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>ssm<span class=\"_ _0\"></span>ent of a re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly po<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge rates<span class=\"_ _0\"></span>. The s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is to the i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ome </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7ad\">statem<span class=\"_ _0\"></span>ent in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s on<span class=\"_ _0\"></span>ly ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy-<span class=\"_ _0\"></span>den<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>inated m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>etar<span class=\"_ _0\"></span>y i<span class=\"_ _0\"></span>tems an<span class=\"_ _0\"></span>d ad<span class=\"_ _0\"></span>jus<span class=\"_ _0\"></span>ts the<span class=\"_ _0\"></span>ir t<span class=\"_ _0\"></span>rans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion at </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7ae\">the yea<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>d for a 10% ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n cu<span class=\"_ _0\"></span>rren<span class=\"_ _0\"></span>cy rates<span class=\"_ _0\"></span>. The s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is il<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>strates t<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct on t<span class=\"_ _0\"></span>he fore<span class=\"_ _0\"></span>ign </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7af\">cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e retra<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on of qu<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y lo<span class=\"_ _0\"></span>ans to fore<span class=\"_ _0\"></span>ign o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7b0\">Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd net i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7b1\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>itiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to flu<span class=\"_ _0\"></span>ctu<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>s is rel<span class=\"_ _0\"></span>ated to the US d<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r and e<span class=\"_ _0\"></span>uro a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts he<span class=\"_ _0\"></span>ld i<span class=\"_ _0\"></span>n the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7b2\">Pare<span class=\"_ _0\"></span>nt Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _1\"></span>. Th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of a 10% cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e in fore<span class=\"_ _0\"></span>ign c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy rates is as fo<span class=\"_ _0\"></span>llows<span class=\"_ _0\"></span>:<span class=\"_ _2d6\"> </span></div><div class=\"gs7b3\"><table class=\"s w28a hc8\" id=\"_3d296cc6-4954-4428-8287-79267c336dbe\"><tr><td></td><td></td><td></td><td class=\"c n x8fb y2ae0 w4a6 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lscf wsc6\">Apprecia<span class=\"_ _1\"></span>tion in poun<span class=\"_ _1\"></span>d sterling<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x8fc y2ae0 w4a7 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Deprecia<span class=\"_ _1\"></span>tion in po<span class=\"_ _1\"></span>und sterling<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8fd h38 y2ae1 ff2 fs19 fc3 sc0 lsd9 wsd0\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x374 h35 y2ae1 ff4 fs19 fc5 sc0 lscf wsc6\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x73c h38 y2ae1 ff2 fs19 fc3 sc0 lsd9 wsd0\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x1bd h35 y2ae1 ff4 fs19 fc5 sc0 lscf wsc6\">Income<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x8fe h38 y2ae2 ff2 fs19 fc3 sc0 ls120 ws118\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ff h38 y2ae2 ff2 fs19 fc3 sc0 ls3e ws3f\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x900 h35 y2ae2 ff4 fs19 fc5 sc0 lsd1 wsc8\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73b h35 y2ae2 ff4 fs19 fc5 sc0 ls10b ws104\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x901 h38 y2ae2 ff2 fs19 fc3 sc0 ls120 ws118\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x902 h38 y2ae2 ff2 fs19 fc3 sc0 ls3e ws3f\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x903 h35 y2ae2 ff4 fs19 fc5 sc0 lsd1 wsc8\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d h35 y2ae2 ff4 fs19 fc5 sc0 ls10b ws104\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x904 h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x905 h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x375 h35 y2ae3 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x794 h35 y2ae3 ff4 fs19 fc5 sc0 lsf0 wse9\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2ab h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83c h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h35 y2ae3 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2ae3 ff4 fs19 fc5 sc0 lsf0 wse9\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2ae4 ff4 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e3 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e4 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x741 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x795 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x743 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x744 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e7 w4a8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">US dollars<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x906 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x907 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x908 y27e7 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x909 y27e7 w1f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90a y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90b y27e8 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90c y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x614 y27e7 w4a9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">3.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w4aa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb5 wsb1\">Eur<span class=\"_ _0\"></span>os<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90d y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90e y282f w47f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90f y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x910 y2830 w18e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x911 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x912 y282f w4ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x913 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x914 y2830 w339 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x915 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x916 y27ec w1e0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x917 y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x918 y27eb w4ac h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x919 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91a y27ec w4ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91b y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91c y27eb w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs7b4\">Impairment<span class=\"_ _1\"></span> of net<span class=\"_ _1\"></span> inv<span class=\"_ _1\"></span>estment in<span class=\"_ _1\"></span> subleases:<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7b5\">Ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n ri<span class=\"_ _0\"></span>ght-of-us<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets rel<span class=\"_ _0\"></span>ated to the US S<span class=\"_ _0\"></span>an Fra<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>sco of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e were su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>et und<span class=\"_ _0\"></span>er a f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g sub<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ase a<span class=\"_ _0\"></span>nd were </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7b6\">rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted as net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in s<span class=\"_ _0\"></span>ub<span class=\"_ _0\"></span>leas<span class=\"_ _0\"></span>es wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n oth<span class=\"_ _0\"></span>er rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es. D<span class=\"_ _0\"></span>ue to a re<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n in ma<span class=\"_ _0\"></span>rket val<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>s sin<span class=\"_ _0\"></span>ce </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7b7\">inc<span class=\"_ _0\"></span>ept<span class=\"_ _0\"></span>ion of t<span class=\"_ _0\"></span>he su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>et, the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows exp<span class=\"_ _0\"></span>ected o<span class=\"_ _0\"></span>n expi<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y of the exi<span class=\"_ _0\"></span>stin<span class=\"_ _0\"></span>g sub<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>et and exp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns of fu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r </div><div class=\"t m7 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs7b8\">sub<span class=\"_ _0\"></span>let we<span class=\"_ _0\"></span>re lower a<span class=\"_ _0\"></span>nd as a re<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>lt an i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt of \u00a30.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion w<span class=\"_ _0\"></span>as rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed in t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>r year e<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7b9\">The i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt is di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated st<span class=\"_ _0\"></span>atement of c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>hen<span class=\"_ _0\"></span>sive in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n de<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ciati<span class=\"_ _0\"></span>on, a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs7ba\">and impairmen<span class=\"_ _1\"></span>t.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs7bb\">Capital<span class=\"_ _1\"></span> management<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7bc\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s its c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l to com<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ise it<span class=\"_ _0\"></span>s ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>, sha<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>miu<span class=\"_ _0\"></span>m, fore<span class=\"_ _0\"></span>ign exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve, sha<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7bd\">opti<span class=\"_ _0\"></span>ons re<span class=\"_ _0\"></span>ser<span class=\"_ _2\"></span>ve and retai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d ear<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>. Qu<span class=\"_ _0\"></span>anti<span class=\"_ _0\"></span>tative det<span class=\"_ _0\"></span>ail i<span class=\"_ _0\"></span>s sh<span class=\"_ _0\"></span>own in t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated st<span class=\"_ _0\"></span>atement of c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>s in e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7be\">The D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s\u2019 o<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve whe<span class=\"_ _0\"></span>n man<span class=\"_ _0\"></span>agi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l is to safeg<span class=\"_ _0\"></span>uar<span class=\"_ _0\"></span>d the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to conti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>e as a go<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>rn i<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7bf\">ord<span class=\"_ _0\"></span>er to provi<span class=\"_ _0\"></span>de retur<span class=\"_ _0\"></span>ns for t<span class=\"_ _0\"></span>he sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>hol<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>its fo<span class=\"_ _0\"></span>r othe<span class=\"_ _0\"></span>r stake<span class=\"_ _0\"></span>hol<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d to mai<span class=\"_ _0\"></span>ntai<span class=\"_ _0\"></span>n an o<span class=\"_ _0\"></span>ptim<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7c0\">str<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>re to redu<span class=\"_ _0\"></span>ce th<span class=\"_ _0\"></span>e cos<span class=\"_ _0\"></span>t of ca<span class=\"_ _0\"></span>pita<span class=\"_ _0\"></span>l.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7c1\">The D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s mon<span class=\"_ _0\"></span>itor a n<span class=\"_ _0\"></span>umb<span class=\"_ _0\"></span>er of K<span class=\"_ _0\"></span>PIs at b<span class=\"_ _0\"></span>oth th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd in<span class=\"_ _0\"></span>div<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>ubsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y l<span class=\"_ _0\"></span>evel on a m<span class=\"_ _0\"></span>onth<span class=\"_ _0\"></span>ly ba<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>. As pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7c2\">the b<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>geta<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y pro<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>s, ta<span class=\"_ _0\"></span>rgets a<span class=\"_ _0\"></span>re set w<span class=\"_ _0\"></span>ith res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct to op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ing exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n orde<span class=\"_ _0\"></span>r to effec<span class=\"_ _0\"></span>tivel<span class=\"_ _0\"></span>y ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>e the a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>ies </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7c3\">of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rma<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e is reviewe<span class=\"_ _0\"></span>d on a re<span class=\"_ _0\"></span>gu<span class=\"_ _0\"></span>lar b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s and a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ate acti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re taken as r<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>ese i<span class=\"_ _0\"></span>ntern<span class=\"_ _0\"></span>al </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7c4\">mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>s ind<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ate the pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce of th<span class=\"_ _0\"></span>e bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>inst b<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>get<span class=\"_ _0\"></span>/fo<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>ast an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>nfi<span class=\"_ _0\"></span>rm w<span class=\"_ _0\"></span>heth<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup h<span class=\"_ _0\"></span>as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs7c5\">adequat<span class=\"_ _1\"></span>e res<span class=\"_ _1\"></span>ources t<span class=\"_ _1\"></span>o meet i<span class=\"_ _1\"></span>ts working capit<span class=\"_ _1\"></span>al requiremen<span class=\"_ _1\"></span>ts.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7c7\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is su<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>ct to exter<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>irem<span class=\"_ _0\"></span>ents by t<span class=\"_ _0\"></span>he Fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l Co<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>uct Au<span class=\"_ _0\"></span>tho<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty b<span class=\"_ _0\"></span>ut th<span class=\"_ _0\"></span>ese a<span class=\"_ _0\"></span>re lowe<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs7c8\">than in<span class=\"_ _1\"></span>ternally<span class=\"_ _1\"></span> set requir<span class=\"_ _1\"></span>ements. During<span class=\"_ _1\"></span> the year<span class=\"_ _5\"></span>, the<span class=\"_ _1\"></span> Group complied with<span class=\"_ _1\"></span> all ext<span class=\"_ _1\"></span>ernally imposed r<span class=\"_ _1\"></span>equirements.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-424": {
   "value": "12. S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span><table class=\"s w26f hb7\" id=\"_86af363c-3ad7-474d-a571-e85d29096329\"><tr><td></td><td class=\"t m0 x24e h38 y2a21 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2a21 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2a22 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2a22 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2a23 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a23 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2a24 ff6 fs6 fc5 sc0 ls13 ws12\">Non-current<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a25 w369 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s \u2013 amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x663 y2a26 wb0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x664 y2a25 wb1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2960 w36a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts \u2013 F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TP<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x665 y2961 wad h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x666 y2960 w36b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">25.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a27 w36c h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">T<span class=\"_ _5\"></span>otal non-current<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x667 y2a27 w36d h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">19.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x668 y2a28 w36e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">30.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y2a29 ff6 fs6 fc5 sc0 ls13 ws12\">Current<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2829 w369 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s \u2013 amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x669 y282a wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x66a y2829 w14b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y282b w36f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it \u2013 am<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>tise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t</div><div class=\"t m0 x66b h3b y27a6 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x66c y282c w370 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x66d y282b w371 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282d w372 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s \u2013 FV<span class=\"_ _2\"></span>TPL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x66e y282e wbb h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x66f y282d wbc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">18<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282f w373 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal curren<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x670 y282f w374 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">99.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x671 y2830 w316 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">69.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w288 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 lse2 wsdb\">To<span class=\"_ _2\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x672 y27ec w375 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">118<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x673 y27eb w376 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">100.5<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span>In<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in L<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>s of c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ar<span class=\"_ _0\"></span>e \u00a37<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>2 mi<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on r<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>ed to C<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>hb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ca<span class=\"_ _0\"></span>rd b<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es n<span class=\"_ _0\"></span>et o<span class=\"_ _0\"></span>f ECL i<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-392": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs652\">13. T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div><div class=\"gs64f\"><table class=\"s w26f hb8\" id=\"_cddb2205-d1b6-4caa-a996-f1c554a400c2\"><tr><td></td><td class=\"t m0 x24e h38 y2a2a ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2a2a ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2a2b ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2a2b ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2a2c ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a2c ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2820 w377 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other receivables<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x330 y2821 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x674 y2820 wb4 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2822 w378 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">Non-current<span class=\"_ _1\"></span> trade and o<span class=\"_ _1\"></span>ther receiv<span class=\"_ _1\"></span>ables<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x675 y2822 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x676 y2823 w379 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a2d w37a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">T<span class=\"_ _5\"></span>r<span class=\"_ _0\"></span>ade receivables<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53f y2a2e w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x540 y2a2d wfd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2825 w377 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other receivables<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4dd y2826 w223 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">4.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c0 y2825 w230 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2827 w37b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>ax-r<span class=\"_ _1\"></span>elat<span class=\"_ _1\"></span>ed receiv<span class=\"_ _1\"></span>ables<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f9 y2828 w37c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">4.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x677 y2827 w37d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2829 w37e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Prep<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ents<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x678 y282a w37f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">4.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x679 y2829 w22a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282b w380 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Accrued<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67a y282c we0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfd wsf6\">5.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67b y282b w381 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282d w382 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Rent a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r de<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>its<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67c y282e w14a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x556 y282d wdf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282f w383 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ent t<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>de a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er r<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67d y282f w384 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">20.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67e y2830 w385 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd6 wscd\">20.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x269 y27ec wc1 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">20.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67f y27eb w386 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">21.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs653\">The m<span class=\"_ _0\"></span>axim<span class=\"_ _0\"></span>um exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to credi<span class=\"_ _0\"></span>t ri<span class=\"_ _0\"></span>sk at th<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng d<span class=\"_ _0\"></span>ate is the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g val<span class=\"_ _0\"></span>ue of ea<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>s of rec<span class=\"_ _0\"></span>eivab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>es </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb wsa gs654\">describ<span class=\"_ _0\"></span>ed earlier<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs655\">No tr<span class=\"_ _0\"></span>ad<span class=\"_ _0\"></span>e rece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s were overdu<span class=\"_ _0\"></span>e or i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>aire<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs656\">Inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in re<span class=\"_ _0\"></span>nt and ot<span class=\"_ _0\"></span>her d<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>ts are \u00a30.9 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n of renta<span class=\"_ _0\"></span>l de<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>its (2023: \u00a31.6 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs657\">pro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ich exp<span class=\"_ _0\"></span>ire over th<span class=\"_ _0\"></span>e nex<span class=\"_ _0\"></span>t fi<span class=\"_ _0\"></span>ve years<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs658\">The D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>at the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of tra<span class=\"_ _0\"></span>de an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es ap<span class=\"_ _0\"></span>proxi<span class=\"_ _0\"></span>mates to the<span class=\"_ _0\"></span>ir fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-425": {
   "value": "<table class=\"s w26f hb8\" id=\"_cddb2205-d1b6-4caa-a996-f1c554a400c2\"><tr><td></td><td class=\"t m0 x24e h38 y2a2a ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2a2a ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2a2b ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2a2b ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2a2c ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a2c ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2820 w377 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other receivables<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x330 y2821 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x674 y2820 wb4 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2822 w378 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">Non-current<span class=\"_ _1\"></span> trade and o<span class=\"_ _1\"></span>ther receiv<span class=\"_ _1\"></span>ables<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x675 y2822 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x676 y2823 w379 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a2d w37a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">T<span class=\"_ _5\"></span>r<span class=\"_ _0\"></span>ade receivables<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53f y2a2e w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x540 y2a2d wfd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2825 w377 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Other receivables<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4dd y2826 w223 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">4.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3c0 y2825 w230 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2827 w37b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>ax-r<span class=\"_ _1\"></span>elat<span class=\"_ _1\"></span>ed receiv<span class=\"_ _1\"></span>ables<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f9 y2828 w37c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">4.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x677 y2827 w37d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2829 w37e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Prep<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ents<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x678 y282a w37f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">4.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x679 y2829 w22a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282b w380 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Accrued<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67a y282c we0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfd wsf6\">5.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67b y282b w381 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282d w382 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Rent a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r de<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>its<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67c y282e w14a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x556 y282d wdf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282f w383 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ent t<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>de a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er r<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67d y282f w384 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">20.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67e y2830 w385 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd6 wscd\">20.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x269 y27ec wc1 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">20.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67f y27eb w386 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">21.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-393": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs65a\">14. T<span class=\"_ _1\"></span>ra<span class=\"_ _0\"></span>de a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r payab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div><div class=\"gs64f\"><table class=\"s w26f hb9\" id=\"_58347568-7c29-4731-9a6f-8a5bb69fa31f\"><tr><td></td><td class=\"t m0 x24e h38 y2a2f ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2a2f ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2a30 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2a30 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2a31 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a31 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2905 w387 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf6 wsef\">Tr<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>d<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span> p<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>y<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>b<span class=\"_ _2\"></span>l<span class=\"_ _2\"></span>e<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65c y2906 w388 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x680 y2905 w389 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w38a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>her t<span class=\"_ _0\"></span>axes a<span class=\"_ _0\"></span>nd so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y cos<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x681 y27e6 w32a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x682 y27e5 w38b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">4.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27e7 w38c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Other credit<span class=\"_ _1\"></span>ors</div><div class=\"t m0 x683 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d9 y27e8 w38d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">6.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x684 y27e7 w1f4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w38e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Accruals and<span class=\"_ _1\"></span> def<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>red<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x685 y282f w38f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">12<span class=\"_ _0\"></span>.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x686 y2830 w390 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x687 y27ec w391 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x668 y27eb w392 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">54.3<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws146 gs65b\">1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>tor<span class=\"_ _0\"></span>s i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>s \u00a34.<span class=\"_ _0\"></span>4 mi<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2<span class=\"_ _0\"></span>023: \u00a3<span class=\"_ _0\"></span>30<span class=\"_ _0\"></span>.7 mi<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) d<span class=\"_ _0\"></span>ue <span class=\"_ _0\"></span>to th<span class=\"_ _0\"></span>e Br<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sh B<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s B<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>k (B<span class=\"_ _0\"></span>B<span class=\"_ _0\"></span>B) pr<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y re<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ted to s<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>me l<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er fe<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d fr<span class=\"_ _0\"></span>om i<span class=\"_ _0\"></span>nve<span class=\"_ _0\"></span>sto<span class=\"_ _0\"></span>rs </div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls85 ws81 gs65c\">associat<span class=\"_ _1\"></span>ed with<span class=\"_ _1\"></span> government<span class=\"_ _1\"></span>-guaranteed<span class=\"_ _1\"></span> products. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs65d\">The D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>at the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of tra<span class=\"_ _0\"></span>de an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er payab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s ap<span class=\"_ _0\"></span>proxim<span class=\"_ _0\"></span>ates to thei<span class=\"_ _0\"></span>r fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherPayablesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-426": {
   "value": "<table class=\"s w26f hb9\" id=\"_58347568-7c29-4731-9a6f-8a5bb69fa31f\"><tr><td></td><td class=\"t m0 x24e h38 y2a2f ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2a2f ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2a30 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2a30 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2a31 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a31 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2905 w387 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf6 wsef\">Tr<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>d<span class=\"_ _2\"></span>e<span class=\"_ _2\"></span> p<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>y<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>b<span class=\"_ _2\"></span>l<span class=\"_ _2\"></span>e<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65c y2906 w388 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x680 y2905 w389 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w38a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>her t<span class=\"_ _0\"></span>axes a<span class=\"_ _0\"></span>nd so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y cos<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x681 y27e6 w32a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x682 y27e5 w38b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">4.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27e7 w38c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Other credit<span class=\"_ _1\"></span>ors</div><div class=\"t m0 x683 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4d9 y27e8 w38d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">6.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x684 y27e7 w1f4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w38e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Accruals and<span class=\"_ _1\"></span> def<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>red<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x685 y282f w38f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">12<span class=\"_ _0\"></span>.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x686 y2830 w390 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x687 y27ec w391 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x668 y27eb w392 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">54.3<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>tor<span class=\"_ _0\"></span>s i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>s \u00a34.<span class=\"_ _0\"></span>4 mi<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2<span class=\"_ _0\"></span>023: \u00a3<span class=\"_ _0\"></span>30<span class=\"_ _0\"></span>.7 mi<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) d<span class=\"_ _0\"></span>ue <span class=\"_ _0\"></span>to th<span class=\"_ _0\"></span>e Br<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sh B<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s B<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>k (B<span class=\"_ _0\"></span>B<span class=\"_ _0\"></span>B) pr<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y re<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ted to s<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>me l<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er fe<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cte<span class=\"_ _0\"></span>d fr<span class=\"_ _0\"></span>om i<span class=\"_ _0\"></span>nve<span class=\"_ _0\"></span>sto<span class=\"_ _0\"></span>rs associat<span class=\"_ _1\"></span>ed with<span class=\"_ _1\"></span> government<span class=\"_ _1\"></span>-guaranteed<span class=\"_ _1\"></span> products. The D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>at the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of tra<span class=\"_ _0\"></span>de an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er payab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s ap<span class=\"_ _0\"></span>proxim<span class=\"_ _0\"></span>ates to thei<span class=\"_ _0\"></span>r fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-394": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs65f\">15. Prov<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div><div class=\"gs5dd\"><table class=\"s w393 hba\" id=\"_56604ef4-4f1f-4d4b-b656-cb8af78c7021\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x688 h35 y2a32 ff4 fs19 fc5 sc0 ls2 ws2\">EC<span class=\"_ _0\"></span>L on </td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x4e3 h35 y2a33 ff4 fs19 fc5 sc0 ls2 ws2\">un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>awn </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x689 h35 y2a34 ff4 fs19 fc5 sc0 ls106 wsff\">Loa<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x1b7 h35 y2a34 ff4 fs19 fc5 sc0 ls2 ws2\">li<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>s of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it </td><td></td></tr><tr><td></td><td class=\"t m0 x68a h35 y2a35 ff4 fs19 fc5 sc0 lsd1 wsc8\">Dilapidation<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x41e h35 y2a35 ff4 fs19 fc5 sc0 lsd1 wsc8\">repurchas<span class=\"_ _1\"></span>e<span class=\"_ _2d6\"> </span></td><td class=\"c x68c y2a36 w394 h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 lsf1 wsea\">Restructuring</div><div class=\"t m0 x68b h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c x68e y2a36 w395 h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>r</div><div class=\"t m0 x68d h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x1b8 h35 y2a35 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x68f h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b9 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a38 w2fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x690 y2a38 w396 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x691 y2a38 wa7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x692 y2a38 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x693 y2a38 w397 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5e0 y2a38 w33d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a39 w398 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additional pro<span class=\"_ _1\"></span>vision/liabi<span class=\"_ _0\"></span>lity<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x694 y2a39 w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x695 y2a39 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x696 y2a39 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x697 y2a39 w169 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x698 y2a39 w379 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3a w399 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Amount<span class=\"_ _1\"></span> utilised<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x694 y2a3a w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x699 y2a3a w341 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x28b y2a3a w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69a y2a3a w11a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69b y2a3a w34a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3b w39a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt revers<span class=\"_ _0\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69c y2a3b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69d y2a3b w65 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(0<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69e y2a3b w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x406 y2a3b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69f y2a3b w39b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3c w306 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x690 y2a3c w396 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a0 y2a3c w39c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a1 y2a3c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a2 y2a3c w39d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a3 y2a3c w11b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w398 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additional pro<span class=\"_ _1\"></span>vision/liabi<span class=\"_ _0\"></span>lity<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x694 y2a3d w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a4 y2a3d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a5 y2a3d w2a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a6 y2a3d wdf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a7 y2a3d w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3e w399 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Amount<span class=\"_ _1\"></span> utilised<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a8 y2a3e w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a9 y2a3e w1c5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6aa y2a3e w1f9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(2<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ab y2a3e w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ac y2a3e w7c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(2<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w39a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt revers<span class=\"_ _0\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ad y2a3f w65 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ae y2a3f w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6af y2a3f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b0 y2a3f w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b1 y2a3f w232 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w313 h91\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x622 y27eb w31 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b2 y27eb w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b3 y27eb w28 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b4 y27eb w39e h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">3.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b5 y27eb w39f h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd5 wscc\">4.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs660\">1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Th<span class=\"_ _0\"></span>e re<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>rov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n re<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>s to th<span class=\"_ _0\"></span>e si<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d st<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>am<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g of th<span class=\"_ _0\"></span>e G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en t<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>n exc<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>m. S<span class=\"_ _0\"></span>ee n<span class=\"_ _0\"></span>ote 4<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs661\">2.   <span class=\"_ _b\"></span>EC<span class=\"_ _0\"></span>L o<span class=\"_ _0\"></span>n un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>aw<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>s of c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r p<span class=\"_ _0\"></span>rov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns i<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es p<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s for o<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l b<span class=\"_ _0\"></span>uy<span class=\"_ _0\"></span>ba<span class=\"_ _0\"></span>ck<span class=\"_ _0\"></span>s of \u00a30<span class=\"_ _0\"></span>.9 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d \u00a32<span class=\"_ _0\"></span>.7 mi<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2<span class=\"_ _0\"></span>023: \u00a3<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>on) o<span class=\"_ _0\"></span>f exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>d </div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs662\">cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owa<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>ce r<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>d to u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>raw<span class=\"_ _0\"></span>n Fl<span class=\"_ _0\"></span>ex<span class=\"_ _0\"></span>iP<span class=\"_ _0\"></span>ay li<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>f cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>. Se<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>tes 1<span class=\"_ _0\"></span>6 an<span class=\"_ _0\"></span>d 27<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"gs663\"><table class=\"s w35e hb5\" id=\"_9b9ce14d-89c1-4447-a6f7-82761429e7f8\"><tr><td></td><td class=\"t m0 x539 h38 y2a40 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2a40 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2a41 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a41 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y2a42 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a42 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e7 w3a0 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Curren<span class=\"_ _1\"></span>t prov<span class=\"_ _1\"></span>isions and<span class=\"_ _1\"></span> other liabili<span class=\"_ _1\"></span>ties<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b6 y27e8 w39e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">3.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b7 y27e7 wd7 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w3a1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> provision<span class=\"_ _1\"></span>s and o<span class=\"_ _1\"></span>ther liabilitie<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x537 y282f w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b8 y2830 w14b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x6b9 y27ec w223 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">4.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ba y27eb w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs664\">The d<span class=\"_ _0\"></span>ila<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>dati<span class=\"_ _0\"></span>on prov<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>n esti<span class=\"_ _0\"></span>mated c<span class=\"_ _0\"></span>ost for di<span class=\"_ _0\"></span>sma<span class=\"_ _0\"></span>ntl<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>stomi<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on of of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d restor<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs665\">the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>eho<span class=\"_ _0\"></span>ld p<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s to its or<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>l state at th<span class=\"_ _0\"></span>e end of t<span class=\"_ _0\"></span>he tena<span class=\"_ _0\"></span>ncy p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>e provis<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n is expe<span class=\"_ _0\"></span>cted to be </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs666\">uti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed by 2030.<span class=\"_ _2d6\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-465": {
   "value": "15. Prov<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span><table class=\"s w393 hba\" id=\"_56604ef4-4f1f-4d4b-b656-cb8af78c7021\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x688 h35 y2a32 ff4 fs19 fc5 sc0 ls2 ws2\">EC<span class=\"_ _0\"></span>L on </td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x4e3 h35 y2a33 ff4 fs19 fc5 sc0 ls2 ws2\">un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>awn </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x689 h35 y2a34 ff4 fs19 fc5 sc0 ls106 wsff\">Loa<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x1b7 h35 y2a34 ff4 fs19 fc5 sc0 ls2 ws2\">li<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>s of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it </td><td></td></tr><tr><td></td><td class=\"t m0 x68a h35 y2a35 ff4 fs19 fc5 sc0 lsd1 wsc8\">Dilapidation<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x41e h35 y2a35 ff4 fs19 fc5 sc0 lsd1 wsc8\">repurchas<span class=\"_ _1\"></span>e<span class=\"_ _2d6\"> </span></td><td class=\"c x68c y2a36 w394 h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 lsf1 wsea\">Restructuring</div><div class=\"t m0 x68b h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c x68e y2a36 w395 h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>r</div><div class=\"t m0 x68d h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x1b8 h35 y2a35 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x68f h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b9 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a38 w2fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x690 y2a38 w396 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x691 y2a38 wa7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x692 y2a38 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x693 y2a38 w397 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5e0 y2a38 w33d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a39 w398 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additional pro<span class=\"_ _1\"></span>vision/liabi<span class=\"_ _0\"></span>lity<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x694 y2a39 w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x695 y2a39 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x696 y2a39 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x697 y2a39 w169 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x698 y2a39 w379 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3a w399 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Amount<span class=\"_ _1\"></span> utilised<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x694 y2a3a w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x699 y2a3a w341 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x28b y2a3a w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69a y2a3a w11a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69b y2a3a w34a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3b w39a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt revers<span class=\"_ _0\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69c y2a3b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69d y2a3b w65 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(0<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69e y2a3b w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x406 y2a3b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69f y2a3b w39b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3c w306 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x690 y2a3c w396 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a0 y2a3c w39c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a1 y2a3c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a2 y2a3c w39d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a3 y2a3c w11b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w398 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additional pro<span class=\"_ _1\"></span>vision/liabi<span class=\"_ _0\"></span>lity<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x694 y2a3d w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a4 y2a3d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a5 y2a3d w2a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a6 y2a3d wdf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a7 y2a3d w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3e w399 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Amount<span class=\"_ _1\"></span> utilised<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a8 y2a3e w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a9 y2a3e w1c5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6aa y2a3e w1f9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(2<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ab y2a3e w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ac y2a3e w7c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(2<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w39a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt revers<span class=\"_ _0\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ad y2a3f w65 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ae y2a3f w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6af y2a3f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b0 y2a3f w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b1 y2a3f w232 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w313 h91\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x622 y27eb w31 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b2 y27eb w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b3 y27eb w28 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b4 y27eb w39e h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">3.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b5 y27eb w39f h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd5 wscc\">4.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Th<span class=\"_ _0\"></span>e re<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>rov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n re<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>s to th<span class=\"_ _0\"></span>e si<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d st<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>am<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g of th<span class=\"_ _0\"></span>e G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en t<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>n exc<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>m. S<span class=\"_ _0\"></span>ee n<span class=\"_ _0\"></span>ote 4<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>2.   <span class=\"_ _b\"></span>EC<span class=\"_ _0\"></span>L o<span class=\"_ _0\"></span>n un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>aw<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>s of c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r p<span class=\"_ _0\"></span>rov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns i<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es p<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s for o<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l b<span class=\"_ _0\"></span>uy<span class=\"_ _0\"></span>ba<span class=\"_ _0\"></span>ck<span class=\"_ _0\"></span>s of \u00a30<span class=\"_ _0\"></span>.9 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d \u00a32<span class=\"_ _0\"></span>.7 mi<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2<span class=\"_ _0\"></span>023: \u00a3<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>on) o<span class=\"_ _0\"></span>f exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>d cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owa<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>ce r<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>d to u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>raw<span class=\"_ _0\"></span>n Fl<span class=\"_ _0\"></span>ex<span class=\"_ _0\"></span>iP<span class=\"_ _0\"></span>ay li<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>f cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>. Se<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>tes 1<span class=\"_ _0\"></span>6 an<span class=\"_ _0\"></span>d 27<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span><table class=\"s w35e hb5\" id=\"_9b9ce14d-89c1-4447-a6f7-82761429e7f8\"><tr><td></td><td class=\"t m0 x539 h38 y2a40 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2a40 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2a41 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a41 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y2a42 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a42 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e7 w3a0 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Curren<span class=\"_ _1\"></span>t prov<span class=\"_ _1\"></span>isions and<span class=\"_ _1\"></span> other liabili<span class=\"_ _1\"></span>ties<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b6 y27e8 w39e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">3.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b7 y27e7 wd7 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w3a1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> provision<span class=\"_ _1\"></span>s and o<span class=\"_ _1\"></span>ther liabilitie<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x537 y282f w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b8 y2830 w14b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x6b9 y27ec w223 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">4.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ba y27eb w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td></tr></table>The d<span class=\"_ _0\"></span>ila<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>dati<span class=\"_ _0\"></span>on prov<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>n esti<span class=\"_ _0\"></span>mated c<span class=\"_ _0\"></span>ost for di<span class=\"_ _0\"></span>sma<span class=\"_ _0\"></span>ntl<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>stomi<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on of of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d restor<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>eho<span class=\"_ _0\"></span>ld p<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s to its or<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>l state at th<span class=\"_ _0\"></span>e end of t<span class=\"_ _0\"></span>he tena<span class=\"_ _0\"></span>ncy p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>e provis<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n is expe<span class=\"_ _0\"></span>cted to be uti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed by 2030.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-427": {
   "value": "15. Prov<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span><table class=\"s w393 hba\" id=\"_56604ef4-4f1f-4d4b-b656-cb8af78c7021\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x688 h35 y2a32 ff4 fs19 fc5 sc0 ls2 ws2\">EC<span class=\"_ _0\"></span>L on </td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x4e3 h35 y2a33 ff4 fs19 fc5 sc0 ls2 ws2\">un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>awn </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x689 h35 y2a34 ff4 fs19 fc5 sc0 ls106 wsff\">Loa<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x1b7 h35 y2a34 ff4 fs19 fc5 sc0 ls2 ws2\">li<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>s of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it </td><td></td></tr><tr><td></td><td class=\"t m0 x68a h35 y2a35 ff4 fs19 fc5 sc0 lsd1 wsc8\">Dilapidation<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x41e h35 y2a35 ff4 fs19 fc5 sc0 lsd1 wsc8\">repurchas<span class=\"_ _1\"></span>e<span class=\"_ _2d6\"> </span></td><td class=\"c x68c y2a36 w394 h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 lsf1 wsea\">Restructuring</div><div class=\"t m0 x68b h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c x68e y2a36 w395 h8e\"><div class=\"t m0 x1ba h38 y2799 ff1a fs19 fc5 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>r</div><div class=\"t m0 x68d h2b y279a ff4 fs17 fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x1b8 h35 y2a35 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x68f h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b9 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a37 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a38 w2fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x690 y2a38 w396 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x691 y2a38 wa7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x692 y2a38 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x693 y2a38 w397 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5e0 y2a38 w33d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a39 w398 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additional pro<span class=\"_ _1\"></span>vision/liabi<span class=\"_ _0\"></span>lity<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x694 y2a39 w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x695 y2a39 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x696 y2a39 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x697 y2a39 w169 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x698 y2a39 w379 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3a w399 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Amount<span class=\"_ _1\"></span> utilised<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x694 y2a3a w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x699 y2a3a w341 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7c ws78\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x28b y2a3a w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69a y2a3a w11a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69b y2a3a w34a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3b w39a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt revers<span class=\"_ _0\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69c y2a3b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69d y2a3b w65 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(0<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69e y2a3b w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x406 y2a3b w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x69f y2a3b w39b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3c w306 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x690 y2a3c w396 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a0 y2a3c w39c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a1 y2a3c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a2 y2a3c w39d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a3 y2a3c w11b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w398 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">Additional pro<span class=\"_ _1\"></span>vision/liabi<span class=\"_ _0\"></span>lity<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x694 y2a3d w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a4 y2a3d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a5 y2a3d w2a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a6 y2a3d wdf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a7 y2a3d w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3e w399 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Amount<span class=\"_ _1\"></span> utilised<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a8 y2a3e w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a9 y2a3e w1c5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6aa y2a3e w1f9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(2<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ab y2a3e w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ac y2a3e w7c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(2<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w39a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt revers<span class=\"_ _0\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ad y2a3f w65 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ae y2a3f w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6af y2a3f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b0 y2a3f w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b1 y2a3f w232 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w313 h91\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x622 y27eb w31 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b2 y27eb w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b3 y27eb w28 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b4 y27eb w39e h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">3.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b5 y27eb w39f h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd5 wscc\">4.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Th<span class=\"_ _0\"></span>e re<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>rov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n re<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>s to th<span class=\"_ _0\"></span>e si<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d st<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>am<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g of th<span class=\"_ _0\"></span>e G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en t<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>n exc<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>m. S<span class=\"_ _0\"></span>ee n<span class=\"_ _0\"></span>ote 4<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>2.   <span class=\"_ _b\"></span>EC<span class=\"_ _0\"></span>L o<span class=\"_ _0\"></span>n un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>aw<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>s of c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r p<span class=\"_ _0\"></span>rov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns i<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es p<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s for o<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l b<span class=\"_ _0\"></span>uy<span class=\"_ _0\"></span>ba<span class=\"_ _0\"></span>ck<span class=\"_ _0\"></span>s of \u00a30<span class=\"_ _0\"></span>.9 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d \u00a32<span class=\"_ _0\"></span>.7 mi<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2<span class=\"_ _0\"></span>023: \u00a3<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>on) o<span class=\"_ _0\"></span>f exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>d cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owa<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>ce r<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>d to u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>raw<span class=\"_ _0\"></span>n Fl<span class=\"_ _0\"></span>ex<span class=\"_ _0\"></span>iP<span class=\"_ _0\"></span>ay li<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>f cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>. Se<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>tes 1<span class=\"_ _0\"></span>6 an<span class=\"_ _0\"></span>d 27<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span><table class=\"s w35e hb5\" id=\"_9b9ce14d-89c1-4447-a6f7-82761429e7f8\"><tr><td></td><td class=\"t m0 x539 h38 y2a40 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2a40 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2a41 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a41 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y2a42 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a42 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e7 w3a0 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Curren<span class=\"_ _1\"></span>t prov<span class=\"_ _1\"></span>isions and<span class=\"_ _1\"></span> other liabili<span class=\"_ _1\"></span>ties<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b6 y27e8 w39e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">3.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b7 y27e7 wd7 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w3a1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> provision<span class=\"_ _1\"></span>s and o<span class=\"_ _1\"></span>ther liabilitie<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x537 y282f w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b8 y2830 w14b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x6b9 y27ec w223 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">4.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ba y27eb w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td></tr></table>The d<span class=\"_ _0\"></span>ila<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>dati<span class=\"_ _0\"></span>on prov<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>n esti<span class=\"_ _0\"></span>mated c<span class=\"_ _0\"></span>ost for di<span class=\"_ _0\"></span>sma<span class=\"_ _0\"></span>ntl<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he cu<span class=\"_ _0\"></span>stomi<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on of of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d restor<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>eho<span class=\"_ _0\"></span>ld p<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s to its or<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>l state at th<span class=\"_ _0\"></span>e end of t<span class=\"_ _0\"></span>he tena<span class=\"_ _0\"></span>ncy p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>e provis<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n is expe<span class=\"_ _0\"></span>cted to be uti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed by 2030.<span class=\"_ _2d6\"> </span>27<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span> Contingent liabilit<span class=\"_ _1\"></span>ies and commit<span class=\"_ _1\"></span>ments<span class=\"_ _2d6\"> </span>As pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of th<span class=\"_ _0\"></span>e on<span class=\"_ _0\"></span>goi<span class=\"_ _0\"></span>ng b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>as op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>nal re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s with i<span class=\"_ _0\"></span>ts investo<span class=\"_ _0\"></span>rs. At a<span class=\"_ _0\"></span>ny poi<span class=\"_ _0\"></span>nt in ti<span class=\"_ _0\"></span>me, it is p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le th<span class=\"_ _0\"></span>at a par<span class=\"_ _2\"></span>ticul<span class=\"_ _0\"></span>ar i<span class=\"_ _0\"></span>nvestor may expe<span class=\"_ _0\"></span>ct th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up to pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r loa<span class=\"_ _0\"></span>n in t<span class=\"_ _0\"></span>he event of a bre<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>h of rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>ntatio<span class=\"_ _0\"></span>n or wa<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ant<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>nal e<span class=\"_ _0\"></span>rro<span class=\"_ _0\"></span>rs o<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>ntrol i<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>r whe<span class=\"_ _0\"></span>re ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>d el<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia have not b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>h. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re a lo<span class=\"_ _0\"></span>an is p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase<span class=\"_ _0\"></span>d it i<span class=\"_ _0\"></span>s pres<span class=\"_ _0\"></span>ented wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t on th<span class=\"_ _0\"></span>e fac<span class=\"_ _0\"></span>e of the con<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce s<span class=\"_ _0\"></span>heet a<span class=\"_ _0\"></span>nd h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9. In co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>on w<span class=\"_ _0\"></span>ith oth<span class=\"_ _0\"></span>er b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is i<span class=\"_ _0\"></span>nvolved fr<span class=\"_ _0\"></span>om ti<span class=\"_ _0\"></span>me to ti<span class=\"_ _0\"></span>me in d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>utes i<span class=\"_ _0\"></span>n the o<span class=\"_ _0\"></span>rdin<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>rse of bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>re are n<span class=\"_ _0\"></span>o act<span class=\"_ _0\"></span>ive cas<span class=\"_ _0\"></span>es expe<span class=\"_ _0\"></span>cted to have a mater<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>dvers<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s relate<span class=\"_ _0\"></span>d to undr<span class=\"_ _0\"></span>awn am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts on is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>. At 31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, the<span class=\"_ _0\"></span>re were u<span class=\"_ _0\"></span>ndr<span class=\"_ _0\"></span>awn co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>itm<span class=\"_ _0\"></span>ents of \u00a3278.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>157<span class=\"_ _5\"></span>.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on). An expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>nt al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce is h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p of \u00a32.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a31.4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) in re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on to th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up may b<span class=\"_ _0\"></span>e expos<span class=\"_ _0\"></span>ed to on t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e und<span class=\"_ _0\"></span>rawn l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-464": {
   "value": "16.<span class=\"_ _1\"></span> Financial<span class=\"_ _1\"></span> risk man<span class=\"_ _1\"></span>agement The B<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>rd of Di<span class=\"_ _0\"></span>rector<span class=\"_ _0\"></span>s has over<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>l resp<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty fo<span class=\"_ _0\"></span>r the es<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>hm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>nd overs<span class=\"_ _0\"></span>ight of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ri<span class=\"_ _0\"></span>sk management<span class=\"_ _1\"></span> framework. The r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k man<span class=\"_ _0\"></span>age<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt po<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>cies a<span class=\"_ _0\"></span>re est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>d to ident<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d ana<span class=\"_ _0\"></span>lyse t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isks fa<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p, to set app<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>riate ris<span class=\"_ _0\"></span>k li<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d cont<span class=\"_ _0\"></span>rols a<span class=\"_ _0\"></span>nd to mo<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tor ris<span class=\"_ _0\"></span>ks an<span class=\"_ _0\"></span>d ens<span class=\"_ _0\"></span>ure a<span class=\"_ _0\"></span>ny lim<span class=\"_ _0\"></span>its a<span class=\"_ _0\"></span>re adh<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d to. The G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are revi<span class=\"_ _0\"></span>ewed reg<span class=\"_ _0\"></span>ula<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d potenti<span class=\"_ _0\"></span>al r<span class=\"_ _0\"></span>isks a<span class=\"_ _0\"></span>re co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d. Ri<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>k fa<span class=\"_ _0\"></span>cto<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to the fol<span class=\"_ _0\"></span>lowi<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>isks f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>ts use of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">credit risk;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">liquidity risk; and</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">ma<span class=\"_ _0\"></span>rket r<span class=\"_ _0\"></span>isk (i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g forei<span class=\"_ _0\"></span>gn excha<span class=\"_ _0\"></span>nge r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k, inter<span class=\"_ _0\"></span>est rate r<span class=\"_ _0\"></span>isk a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk).<span class=\"_ _2d6\"> </span></span></span>Principal<span class=\"_ _1\"></span> financial instrumen<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span>The p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents u<span class=\"_ _0\"></span>sed by th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup, fro<span class=\"_ _0\"></span>m whi<span class=\"_ _0\"></span>ch f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l inst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ris<span class=\"_ _0\"></span>k ar<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s, are as fo<span class=\"_ _0\"></span>llows<span class=\"_ _0\"></span>: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 ls75 ws4c\">SME loans<span class=\"_ _1\"></span>;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsb wsa\">investments in trusts and co-investment<span class=\"_ _1\"></span>s;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">tr<span class=\"_ _0\"></span>ad<span class=\"_ _0\"></span>e and ot<span class=\"_ _0\"></span>her r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">cash and cash<span class=\"_ _1\"></span> equivalents<span class=\"_ _1\"></span>;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">tr<span class=\"_ _0\"></span>ad<span class=\"_ _0\"></span>e and ot<span class=\"_ _0\"></span>her p<span class=\"_ _0\"></span>ayabl<span class=\"_ _0\"></span>es;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lse wsd\">b<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>k bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs;</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsb wsa\">lease liab<span class=\"_ _0\"></span>ilities; and</span></span> <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5 lsd wsc\">loan repurch<span class=\"_ _1\"></span>ase liabilities.<span class=\"_ _2d6\"> </span></span></span>Cat<span class=\"_ _1\"></span>egorisation o<span class=\"_ _1\"></span>f financial ass<span class=\"_ _1\"></span>ets and<span class=\"_ _1\"></span> financial liabilitie<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span>The t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>es s<span class=\"_ _0\"></span>how th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts of f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s and f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ties by c<span class=\"_ _0\"></span>atego<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y of f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent as at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4:<span class=\"_ _2d6\"> </span><table class=\"s w3a2 hbb\" id=\"_b42783a4-a7b1-4f1b-8c82-ed430b3ebef5\"><tr><td></td><td></td><td></td><td class=\"c n x6bb y2a43 w3a3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2<span class=\"_ _0\"></span>024<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x6bc y2a43 w3a4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">31 D<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2<span class=\"_ _0\"></span>023<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x6bd h38 y2a44 ff2 fs19 fc3 sc0 lse5 wsde\">Fair<span class=\"_ _1\"></span> value<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x6be h35 y2a44 ff4 fs19 fc5 sc0 lsf3 wsec\">Fai<span class=\"_ _0\"></span>r va<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6bf h38 y2a45 ff2 fs19 fc3 sc0 ls144 ws13f\">through<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x6c0 h35 y2a45 ff4 fs19 fc5 sc0 lsd1 wsc8\">through</td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6c1 h38 y2a46 ff2 fs19 fc3 sc0 ls101 wsfa\"> profit<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c2 h38 y2a46 ff2 fs19 fc3 sc0 lse4 wsdd\" colspan=\"2\">Amortised</td><td></td><td class=\"t m0 x5e6 h35 y2a46 ff4 fs19 fc5 sc0 ls152 ws150\"> prof<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h35 y2a46 ff4 fs19 fc5 sc0 lsf1 wsea\" colspan=\"2\">Amor<span class=\"_ _0\"></span>tised<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x6bf h38 y2a47 ff2 fs19 fc3 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>ss<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c3 h38 y2a47 ff2 fs19 fc3 sc0 ls101 wsfa\">cost<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c4 h38 y2a47 ff2 fs19 fc3 sc0 ls159 ws157\">Other<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c5 h38 y2a47 ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c6 h35 y2a47 ff4 fs19 fc5 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>ss<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c7 h35 y2a47 ff4 fs19 fc5 sc0 ls3e ws3f\">cost<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6c8 h35 y2a47 ff4 fs19 fc5 sc0 lsf1 wsea\">Other<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ec h35 y2a47 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x6c9 h38 y2a48 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6ca h38 y2a48 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6cb h38 y2a48 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6cc h38 y2a48 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6cd h35 y2a48 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24e h35 y2a48 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6ce h35 y2a48 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a48 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2a49 ff6 fs6 fc5 sc0 ls1e ws26\">Assets<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x256 hd y2a4a ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tise<span class=\"_ _0\"></span>d </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y281a w3a5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">cost<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6cf y2819 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d0 y2819 w3a6 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d1 y2819 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d2 y2819 w3a7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d3 y281a w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d4 y281a w30d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d5 y281a w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d6 y281a w30d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">6<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a4b w3a8 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">thr<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d7 y2a4c w3a9 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d8 y2a4c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6d9 y2a4c w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6da y2a4c wbb h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6db y2a4b wbc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6dc y2a4b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6dd y2a4b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5bb y2a4b wbc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a4d wbd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6de y2a4e w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6df y2a4e w370 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e0 y2a4e w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e1 y2a4e w370 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e2 y2a4d w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e3 y2a4d w371 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e4 y2a4d w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e5 y2a4d wbf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5<span class=\"_ _0\"></span>0.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2887 w3aa h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">co-i<span class=\"_ _0\"></span>nv<span class=\"_ _1\"></span>estments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e6 y2888 wad h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e7 y2888 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e8 y2888 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6e9 y2888 wad h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ea y2887 w36b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25<span class=\"_ _0\"></span>.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6eb y2887 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ec y2887 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ed y2887 w36b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2823 wb2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ee y2822 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ef y2822 w3ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f0 y2822 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f1 y2822 w3ac h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">11.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f2 y2823 w328 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f3 y2823 w3ad h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">11<span class=\"_ _0\"></span>.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f4 y2823 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f5 y2823 w27b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">12<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2889 wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f6 y288a w3ae h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">136.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f7 y288a w3af h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">51.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f8 y288a w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6f9 y288a wc5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6fa y2889 w3b0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6fb y2889 w3b1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">71.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6fc y2889 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6fd y2889 w3b2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">221.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x6fe y2826 w3b3 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">155.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6ff y2826 w3b4 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls9 ws8\">161.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x700 y2826 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x701 y2826 w3b5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">3<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x702 y2825 w3b6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">194.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x703 y2825 w3b4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x704 y2825 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x705 y2825 w3b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">333.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y2a4f ff6 fs6 fc5 sc0 ls17 ws16\">Liabilities<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y29d4 wcc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er paya<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x706 y29d5 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x707 y29d5 w3b8 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x708 y29d5 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x709 y29d5 w367 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70a y29d4 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70b y29d4 w3b9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70c y29d4 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70d y29d4 w3b9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>0)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w3ba h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Loan<span class=\"_ _1\"></span> repurchas<span class=\"_ _1\"></span>e liability<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70e y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x70f y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x710 y27e6 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x711 y27e6 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x712 y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x713 y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x714 y27e5 w2ab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>.1)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x715 y27e5 w2ab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _2\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y288f wd0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x716 y2890 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x717 y2890 w3bb h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(<span class=\"_ _0\"></span>101<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x718 y2890 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x719 y2890 w3bc h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1<span class=\"_ _0\"></span>01<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71a y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71b y288f w15d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71c y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71d y288f w3bd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 wd8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71e y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x71f y282f w3be h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x720 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x721 y282f w3bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x722 y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x723 y2830 w3c0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">(12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x724 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x725 y2830 w23a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">(12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x726 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x727 y27ec w3c1 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2d\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x728 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x729 y27ec w3c1 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2d\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x72a y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x72b y27eb w3c2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>4.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x72c y27eb w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x72d y27eb w3c3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1<span class=\"_ _0\"></span>04.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr></table>Financial<span class=\"_ _1\"></span> instruments<span class=\"_ _1\"></span> measured a<span class=\"_ _1\"></span>t amortised cos<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span>Fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l inst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t, rath<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>an fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue, i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts, tr<span class=\"_ _0\"></span>ade a<span class=\"_ _0\"></span>nd othe<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eivab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>es, S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t, Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t, ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs, l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>nd tr<span class=\"_ _0\"></span>ad<span class=\"_ _0\"></span>e and ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r payabl<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>. Du<span class=\"_ _0\"></span>e to thei<span class=\"_ _0\"></span>r natu<span class=\"_ _0\"></span>re, the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng val<span class=\"_ _0\"></span>ue of ea<span class=\"_ _0\"></span>ch of t<span class=\"_ _0\"></span>he ab<span class=\"_ _0\"></span>ove fin<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts ap<span class=\"_ _0\"></span>proxim<span class=\"_ _0\"></span>ates to the<span class=\"_ _0\"></span>ir fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue.<span class=\"_ _2d6\"> </span>Other financial<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span>Loan re<span class=\"_ _0\"></span>pur<span class=\"_ _0\"></span>chas<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ties a<span class=\"_ _0\"></span>re me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red at th<span class=\"_ _0\"></span>e am<span class=\"_ _0\"></span>ount of l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owan<span class=\"_ _0\"></span>ce deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d und<span class=\"_ _0\"></span>er I<span class=\"_ _0\"></span>FRS 9.<span class=\"_ _2d6\"> </span>Financial<span class=\"_ _1\"></span> instruments<span class=\"_ _1\"></span> measured a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue IFR<span class=\"_ _0\"></span>S 13 requi<span class=\"_ _0\"></span>res ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>res wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h req<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>e the c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>ssets a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ured at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e usi<span class=\"_ _0\"></span>ng a fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue h<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>rarc<span class=\"_ _0\"></span>hy that ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e sig<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nce of t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts use<span class=\"_ _0\"></span>d in m<span class=\"_ _0\"></span>ak<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue measur<span class=\"_ _1\"></span>ement. Dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re of fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>reme<span class=\"_ _0\"></span>nts by level i<span class=\"_ _0\"></span>s acc<span class=\"_ _0\"></span>ord<span class=\"_ _0\"></span>ing to th<span class=\"_ _0\"></span>e foll<span class=\"_ _0\"></span>owi<span class=\"_ _0\"></span>ng fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent hi<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>archy: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 1 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are qu<span class=\"_ _0\"></span>oted pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>es (una<span class=\"_ _0\"></span>dju<span class=\"_ _0\"></span>sted) in a<span class=\"_ _0\"></span>ctive m<span class=\"_ _0\"></span>arkets for i<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ntic<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e entit<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>an </span></span>access a<span class=\"_ _1\"></span>t the mea<span class=\"_ _1\"></span>surement<span class=\"_ _1\"></span> date<span class=\"_ _1\"></span>; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 2 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts oth<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>an qu<span class=\"_ _0\"></span>oted pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>es in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n level 1 t<span class=\"_ _0\"></span>hat are o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets or </span></span>lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies, e<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>er di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tly o<span class=\"_ _0\"></span>r in<span class=\"_ _0\"></span>dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y; an<span class=\"_ _0\"></span>d  <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 3 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are un<span class=\"_ _0\"></span>obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e inp<span class=\"_ _0\"></span>uts fo<span class=\"_ _0\"></span>r the as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></span></span>The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>nts th<span class=\"_ _0\"></span>at are not t<span class=\"_ _0\"></span>rad<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n an ac<span class=\"_ _0\"></span>tive ma<span class=\"_ _0\"></span>rket (for examp<span class=\"_ _0\"></span>le, invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns) is deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned by u<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on tec<span class=\"_ _0\"></span>hni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on tec<span class=\"_ _0\"></span>hni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>es ma<span class=\"_ _0\"></span>xim<span class=\"_ _0\"></span>ise th<span class=\"_ _0\"></span>e us<span class=\"_ _0\"></span>e of obse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le m<span class=\"_ _0\"></span>arket data whe<span class=\"_ _0\"></span>re it is ava<span class=\"_ _0\"></span>ila<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d rely a<span class=\"_ _0\"></span>s lit<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>e as p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e on e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y-s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>ic e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates. If a<span class=\"_ _0\"></span>ll s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red to fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e an i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ment a<span class=\"_ _0\"></span>re obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le, t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent is i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n level 2. I<span class=\"_ _0\"></span>f one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re of th<span class=\"_ _0\"></span>e sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>uts a<span class=\"_ _0\"></span>re not ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e mar<span class=\"_ _0\"></span>ket data, th<span class=\"_ _0\"></span>e ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt is in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d in l<span class=\"_ _0\"></span>evel 3. A<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sme<span class=\"_ _0\"></span>nt that t<span class=\"_ _0\"></span>he leve<span class=\"_ _0\"></span>l app<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed to fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ate and wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r a tr<span class=\"_ _0\"></span>ansfer b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ween l<span class=\"_ _0\"></span>evels i<span class=\"_ _0\"></span>s req<span class=\"_ _0\"></span>uire<span class=\"_ _0\"></span>d is u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>ken at the e<span class=\"_ _0\"></span>nd of ea<span class=\"_ _0\"></span>ch acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>ere we<span class=\"_ _0\"></span>re no tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>fers b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en l<span class=\"_ _0\"></span>evels du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year o<span class=\"_ _0\"></span>r pr<span class=\"_ _0\"></span>ior yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>The F<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nce d<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>tm<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rms t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>ons of i<span class=\"_ _0\"></span>tems re<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>red fo<span class=\"_ _0\"></span>r fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting p<span class=\"_ _0\"></span>urp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>es, inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng leve<span class=\"_ _0\"></span>l 3 fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>his tea<span class=\"_ _0\"></span>m rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ts to th<span class=\"_ _0\"></span>e Chi<span class=\"_ _0\"></span>ef Fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l Of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er (<span class=\"_ _0\"></span>\u201cC<span class=\"_ _0\"></span>FO\u201d<span class=\"_ _0\"></span>). Dis<span class=\"_ _0\"></span>cus<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns of val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>es and r<span class=\"_ _0\"></span>esu<span class=\"_ _0\"></span>lts ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d reg<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ly at Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce S<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et Ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>nd Valu<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n Co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tees al<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g wit<span class=\"_ _0\"></span>h reg<span class=\"_ _0\"></span>ula<span class=\"_ _0\"></span>r up<span class=\"_ _0\"></span>dates provi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d to the Au<span class=\"_ _0\"></span>dit C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>tee.<span class=\"_ _2d6\"> </span><table class=\"s w3c4 hbc\" id=\"_42cb03b4-357e-4d4e-9911-ae08246ba0e3\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x72e h35 y2a50 ff4 fs19 fc5 sc0 lsd1 wsc8\">Fair<span class=\"_ _1\"></span> value meas<span class=\"_ _1\"></span>urement using<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x72f y2a51 w3a3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2<span class=\"_ _0\"></span>024<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td class=\"c n x730 y2a51 w3c5 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x731 h38 y2a52 ff2 fs19 fc3 sc0 ls2 ws2\">Qu<span class=\"_ _0\"></span>ote<span class=\"_ _0\"></span>d </td><td></td><td></td><td class=\"t m0 x732 h35 y2a52 ff4 fs19 fc5 sc0 lscf wsc6\">Quot<span class=\"_ _1\"></span>ed </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x733 h38 y2a53 ff2 fs19 fc3 sc0 lse4 wsdd\">prices<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x734 h38 y2a53 ff2 fs19 fc3 sc0 lsd1 wsc8\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x735 h38 y2a53 ff2 fs19 fc3 sc0 lsd1 wsc8\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x420 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">prices<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x736 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x737 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">Significant<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x377 h38 y2a54 ff2 fs19 fc3 sc0 ls2 ws2\">in a<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ive </td><td class=\"t m0 x734 h38 y2a54 ff2 fs19 fc3 sc0 ls120 ws118\">observable<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x738 h38 y2a54 ff2 fs19 fc3 sc0 ls120 ws118\">unobserva<span class=\"_ _1\"></span>ble<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x739 h35 y2a54 ff4 fs19 fc5 sc0 ls2 ws2\">in a<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ive </td><td class=\"t m0 x73a h35 y2a54 ff4 fs19 fc5 sc0 ls141 ws13c\">obse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37e h35 y2a54 ff4 fs19 fc5 sc0 ls141 ws13c\">uno<span class=\"_ _0\"></span>bser<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x377 h38 y2a55 ff2 fs19 fc3 sc0 ls14e ws14b\">ma<span class=\"_ _0\"></span>rke<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73b h38 y2a55 ff2 fs19 fc3 sc0 ls3e ws3f\">inpu<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73c h38 y2a55 ff2 fs19 fc3 sc0 ls3e ws3f\">inpu<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4f9 h35 y2a55 ff4 fs19 fc5 sc0 ls10a ws103\">ma<span class=\"_ _0\"></span>rke<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2a8 h35 y2a55 ff4 fs19 fc5 sc0 lsd1 wsc8\">inputs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d h35 y2a55 ff4 fs19 fc5 sc0 lsd1 wsc8\">inputs<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x73e h38 y2a56 ff2 fs19 fc3 sc0 ls108 ws101\">(l<span class=\"_ _0\"></span>eve<span class=\"_ _0\"></span>l 1)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73f h38 y2a56 ff2 fs19 fc3 sc0 ls2 ws2\">(l<span class=\"_ _0\"></span>evel 2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x740 h38 y2a56 ff2 fs19 fc3 sc0 ls106 wsff\">(l<span class=\"_ _0\"></span>evel 3)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x732 h35 y2a56 ff4 fs19 fc5 sc0 lsdb wsd2\">(l<span class=\"_ _0\"></span>eve<span class=\"_ _0\"></span>l 1)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h35 y2a56 ff4 fs19 fc5 sc0 ls10a ws103\">(l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span> 2)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4e4 h35 y2a56 ff4 fs19 fc5 sc0 ls108 ws101\">(l<span class=\"_ _0\"></span>evel 3)<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x378 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x741 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x742 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x743 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x744 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2a58 ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y2a59 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h pr<span class=\"_ _0\"></span>ofi<span class=\"_ _0\"></span>t </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2905 w3c6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">and loss<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x745 y2906 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x746 y2906 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x747 y2906 w3c7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x748 y2905 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x749 y2905 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74a y2905 wbc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 wb2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74b y27e6 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74c y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74d y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74e y27e5 w3c8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74f y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x750 y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 wab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x751 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x752 y27e8 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x753 y27e8 wad h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x754 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x755 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x756 y27e7 w3c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x757 y282f w174 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">13<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74c y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74d y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x758 y2830 w155 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x759 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54e y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x75a y27ec w3ca h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">136<span class=\"_ _0\"></span>.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75b y27ec w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75c y27ec w28e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">19.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75d y27eb w3cb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">15<span class=\"_ _0\"></span>0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75e y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75f y27eb w3cc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">43.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of a<span class=\"_ _0\"></span>ll S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated by dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng fu<span class=\"_ _0\"></span>ture c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows of t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>ans usi<span class=\"_ _0\"></span>ng di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt r<span class=\"_ _0\"></span>ates that refl<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>t the c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>s in ma<span class=\"_ _0\"></span>rket intere<span class=\"_ _0\"></span>st rates a<span class=\"_ _0\"></span>nd ob<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span>d mar<span class=\"_ _0\"></span>ket con<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns at the re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date. The e<span class=\"_ _0\"></span>stim<span class=\"_ _0\"></span>ated fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>rr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>ss was \u00a31.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 (<span class=\"_ _1\"></span>2023: \u00a318.6 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sents t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er veh<span class=\"_ _0\"></span>icl<span class=\"_ _0\"></span>es u<span class=\"_ _0\"></span>sed to fund C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS, R<span class=\"_ _0\"></span>LS, G<span class=\"_ _0\"></span>GS an<span class=\"_ _0\"></span>d ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>mme<span class=\"_ _0\"></span>rci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>s mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e gover<span class=\"_ _0\"></span>nme<span class=\"_ _0\"></span>nt-owne<span class=\"_ _0\"></span>d B<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>ish B<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss B<span class=\"_ _0\"></span>ank w<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l gua<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ntee up to 80% of th<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce of C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans i<span class=\"_ _0\"></span>n the event of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t (and b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en 70% an<span class=\"_ _0\"></span>d 80% of R<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd 70% for GG<span class=\"_ _0\"></span>S lo<span class=\"_ _0\"></span>ans). The esti<span class=\"_ _0\"></span>mated fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of the investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents wa<span class=\"_ _0\"></span>s \u00a317<span class=\"_ _5\"></span>.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024 (202<span class=\"_ _1\"></span>3: \u00a325.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>The m<span class=\"_ _0\"></span>ost re<span class=\"_ _0\"></span>levant s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant u<span class=\"_ _0\"></span>nobs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e inp<span class=\"_ _0\"></span>uts re<span class=\"_ _0\"></span>late to the d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t rate esti<span class=\"_ _0\"></span>mate an<span class=\"_ _0\"></span>d dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt rates ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d to the fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ulat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n. However, it was determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed th<span class=\"_ _0\"></span>at the re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e ra<span class=\"_ _0\"></span>nge of o<span class=\"_ _0\"></span>utco<span class=\"_ _0\"></span>mes f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>ese i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>uts into the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates are n<span class=\"_ _0\"></span>ot materi<span class=\"_ _0\"></span>al to the a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>Si<span class=\"_ _0\"></span>nce 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023, the a<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s related to es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e have be<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>lly u<span class=\"_ _0\"></span>pd<span class=\"_ _0\"></span>ated. Th<span class=\"_ _0\"></span>e expec<span class=\"_ _0\"></span>ted stre<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>n defau<span class=\"_ _0\"></span>lts du<span class=\"_ _0\"></span>e to the ma<span class=\"_ _0\"></span>cro e<span class=\"_ _0\"></span>nviro<span class=\"_ _0\"></span>nm<span class=\"_ _0\"></span>ent of inf<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ost p<span class=\"_ _0\"></span>ress<span class=\"_ _0\"></span>ures exp<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ien<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d by SM<span class=\"_ _0\"></span>Es an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir cus<span class=\"_ _0\"></span>tomer<span class=\"_ _0\"></span>s in t<span class=\"_ _0\"></span>he year d<span class=\"_ _0\"></span>id n<span class=\"_ _0\"></span>ot materi<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ise to th<span class=\"_ _0\"></span>e extent expe<span class=\"_ _0\"></span>cted as b<span class=\"_ _0\"></span>ase r<span class=\"_ _0\"></span>ates pea<span class=\"_ _0\"></span>ked, pl<span class=\"_ _0\"></span>ateaue<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>n to fall and b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rrower<span class=\"_ _0\"></span>s rem<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed l<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ely re<span class=\"_ _0\"></span>sil<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>nt. Th<span class=\"_ _0\"></span>is has l<span class=\"_ _0\"></span>ed to s<span class=\"_ _0\"></span>ome favou<span class=\"_ _0\"></span>rab<span class=\"_ _0\"></span>le o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ved p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce w<span class=\"_ _0\"></span>ith l<span class=\"_ _0\"></span>ower defa<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>s and s<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le re<span class=\"_ _0\"></span>cover<span class=\"_ _0\"></span>ies re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve to e<span class=\"_ _1\"></span>x<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>ons o<span class=\"_ _0\"></span>n many of th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>foli<span class=\"_ _0\"></span>os pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tic<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>arl<span class=\"_ _0\"></span>y the l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>acy S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns (sec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sed) in th<span class=\"_ _0\"></span>e US pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r to thei<span class=\"_ _0\"></span>r sa<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ng wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e US bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>on of a ma<span class=\"_ _0\"></span>cro s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>s is now exp<span class=\"_ _0\"></span>ected to b<span class=\"_ _0\"></span>e les<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>unc<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>ut l<span class=\"_ _0\"></span>ast lo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>er. This has l<span class=\"_ _0\"></span>ed to a lowe<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>fetime c<span class=\"_ _0\"></span>umu<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve defau<span class=\"_ _0\"></span>lt expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd a h<span class=\"_ _0\"></span>igh<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on of fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pare<span class=\"_ _0\"></span>d to the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng val<span class=\"_ _0\"></span>ue of t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>ans t<span class=\"_ _0\"></span>han at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023. H<span class=\"_ _0\"></span>owever<span class=\"_ _1\"></span>, due to th<span class=\"_ _0\"></span>e amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g natu<span class=\"_ _0\"></span>re of the<span class=\"_ _0\"></span>se lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>he sa<span class=\"_ _0\"></span>le of t<span class=\"_ _0\"></span>he US l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s, the<span class=\"_ _0\"></span>re is l<span class=\"_ _0\"></span>ess s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y to defau<span class=\"_ _0\"></span>lt as<span class=\"_ _0\"></span>sum<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns g<span class=\"_ _0\"></span>iven the l<span class=\"_ _0\"></span>ower re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve remai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lue o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e bo<span class=\"_ _0\"></span>ok yea<span class=\"_ _0\"></span>r on year.<span class=\"_ _2d6\"> </span>Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>es invested i<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>usts i<span class=\"_ _0\"></span>n wh<span class=\"_ _0\"></span>ich Fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e is a m<span class=\"_ _0\"></span>ino<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>-investo<span class=\"_ _0\"></span>r sol<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>eir l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>ets to a thi<span class=\"_ _0\"></span>rd par<span class=\"_ _2\"></span>ty an<span class=\"_ _0\"></span>d Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y re<span class=\"_ _0\"></span>-investe<span class=\"_ _0\"></span>d alo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>e the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>, the n<span class=\"_ _0\"></span>et cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows fro<span class=\"_ _0\"></span>m the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt were rea<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sed s<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>r and a n<span class=\"_ _0\"></span>et fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue ga<span class=\"_ _0\"></span>in of \u00a32.<span class=\"_ _0\"></span>2 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on wa<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins i<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nt of co<span class=\"_ _0\"></span>mpre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>ome<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows re<span class=\"_ _0\"></span>lated to th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span> are p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted net wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n \u201cC<span class=\"_ _0\"></span>ash re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ipts f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in tr<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>s and c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts<span class=\"_ _0\"></span>\u201d in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows, refl<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he n<span class=\"_ _0\"></span>et sett<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt of the rea<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>The<span class=\"_ _0\"></span>re has a<span class=\"_ _0\"></span>ddi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n de<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>n disc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rates us<span class=\"_ _0\"></span>ed to dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows i<span class=\"_ _0\"></span>n the yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, pr<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ily dri<span class=\"_ _0\"></span>ven by de<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n the r<span class=\"_ _0\"></span>isk f<span class=\"_ _0\"></span>ree r<span class=\"_ _0\"></span>ate, due to centr<span class=\"_ _0\"></span>al b<span class=\"_ _0\"></span>ank i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ates fal<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>ons of r<span class=\"_ _0\"></span>ate cuts p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>ed into swaps<span class=\"_ _0\"></span>. Ma<span class=\"_ _0\"></span>ny of the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in l<span class=\"_ _0\"></span>evera<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>d investm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>st str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>tures h<span class=\"_ _0\"></span>ave experi<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d a redu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n disc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rates du<span class=\"_ _0\"></span>e to de-<span class=\"_ _0\"></span>lever<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ing of t<span class=\"_ _0\"></span>he veh<span class=\"_ _0\"></span>icl<span class=\"_ _0\"></span>es as s<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ior l<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s debt h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en p<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d down<span class=\"_ _0\"></span>. The re<span class=\"_ _0\"></span>paym<span class=\"_ _0\"></span>ent of se<span class=\"_ _0\"></span>nio<span class=\"_ _0\"></span>r debt and t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e of tim<span class=\"_ _0\"></span>e has a<span class=\"_ _0\"></span>ddi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ly l<span class=\"_ _0\"></span>ed to fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins a<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt unwi<span class=\"_ _0\"></span>nd as p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d futu<span class=\"_ _0\"></span>re cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of the i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h tend to be b<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>kl<span class=\"_ _0\"></span>oad<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>ctu<span class=\"_ _0\"></span>re be<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me are n<span class=\"_ _0\"></span>ea<span class=\"_ _0\"></span>rer in t<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>e to the ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce she<span class=\"_ _0\"></span>et date. Th<span class=\"_ _0\"></span>is, in tu<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>, has l<span class=\"_ _0\"></span>ed to a hi<span class=\"_ _0\"></span>ghe<span class=\"_ _0\"></span>r rel<span class=\"_ _0\"></span>ative est<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e in th<span class=\"_ _0\"></span>e year.<span class=\"_ _2d6\"> </span>The re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>t of the va<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ous fa<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s out<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>bove is a \u00a36.4 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n net fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r (of whic<span class=\"_ _0\"></span>h \u00a32.2 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>ates to disco<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns) pri<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>y dri<span class=\"_ _0\"></span>ven by favour<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce of l<span class=\"_ _0\"></span>ega<span class=\"_ _0\"></span>cy se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>isat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n loa<span class=\"_ _0\"></span>ns rel<span class=\"_ _0\"></span>ative to expec<span class=\"_ _0\"></span>tati<span class=\"_ _0\"></span>ons of st<span class=\"_ _0\"></span>ress<span class=\"_ _0\"></span>ed p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce over t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r; however<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>se lo<span class=\"_ _0\"></span>ans c<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>e to amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>e they a<span class=\"_ _0\"></span>re expe<span class=\"_ _0\"></span>cted to bec<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e les<span class=\"_ _0\"></span>s se<span class=\"_ _0\"></span>nsit<span class=\"_ _0\"></span>ive to esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on u<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>nty.<span class=\"_ _2d6\"> </span>Se<span class=\"_ _0\"></span>nsit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s to unob<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns in t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d mo<span class=\"_ _0\"></span>ney ma<span class=\"_ _0\"></span>rket fun<span class=\"_ _0\"></span>ds wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts are n<span class=\"_ _0\"></span>ot disc<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>sed a<span class=\"_ _0\"></span>s reaso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le c<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ges i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent as<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>ons i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lus<span class=\"_ _0\"></span>ive of defau<span class=\"_ _0\"></span>lt r<span class=\"_ _0\"></span>ates, dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt rates an<span class=\"_ _0\"></span>d rec<span class=\"_ _0\"></span>over<span class=\"_ _0\"></span>y rates wou<span class=\"_ _0\"></span>ld n<span class=\"_ _0\"></span>ot be exp<span class=\"_ _0\"></span>ected to res<span class=\"_ _0\"></span>ult i<span class=\"_ _0\"></span>n mater<span class=\"_ _0\"></span>ial c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>rr<span class=\"_ _2\"></span>ying va<span class=\"_ _0\"></span>lue<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>Fair val<span class=\"_ _0\"></span>ue m<span class=\"_ _0\"></span>ovement<span class=\"_ _0\"></span>s on S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents<span class=\"_ _2d6\"> </span>are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt in fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s/(loss<span class=\"_ _0\"></span>es)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>A rec<span class=\"_ _0\"></span>onc<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e moveme<span class=\"_ _0\"></span>nt in l<span class=\"_ _0\"></span>evel 3 f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>s show<span class=\"_ _0\"></span>n as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w3cd hbd\" id=\"_f1f0143c-bcb4-4415-958a-cb207b8428a9\"><tr><td></td><td class=\"t m0 x5eb h35 y2a5a ff4 fs19 fc5 sc0 ls120 ws118\">SME lo<span class=\"_ _1\"></span>ans<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x760 h35 y2a5b ff4 fs19 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t fai<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49f h35 y2a5b ff4 fs19 fc5 sc0 lsf1 wsea\">Investment<span class=\"_ _1\"></span> in<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h35 y2a5c ff4 fs19 fc5 sc0 lsd1 wsc8\">value t<span class=\"_ _1\"></span>hrough<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x761 h35 y2a5c ff4 fs19 fc5 sc0 ls2 ws2\">tr<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ts a<span class=\"_ _0\"></span>nd<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x55d h35 y2a5d ff4 fs19 fc5 sc0 ls2 ws2\">pr<span class=\"_ _0\"></span>ofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x762 h35 y2a5d ff4 fs19 fc5 sc0 lsf1 wsea\">co-investments<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h35 y2a5e ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a5e ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a5f w3ce h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce a<span class=\"_ _0\"></span>s at 1 Ja<span class=\"_ _0\"></span>nua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x763 y2a5f w3cf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">6<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x764 y2a5f w3d0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls53 ws6d\">28.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a60 w300 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x765 y2a60 w3d1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">11.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x766 y2a60 w27d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a61 w3d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Repa<span class=\"_ _1\"></span>yments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x767 y2a61 w3d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x768 y2a61 w1e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(6<span class=\"_ _0\"></span>.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a62 w3d4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Disposal<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x769 y2a62 w3d5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2a62 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a38 w3d6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n on th<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at f<span class=\"_ _0\"></span>air v<span class=\"_ _0\"></span>alu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76a y2a38 w3d7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2d\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76b y2a38 w18d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a39 w3d8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls53 ws6d\">Fo<span class=\"_ _0\"></span>rei<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>n exc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76c y2a39 w3d9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76d y2a39 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a63 w3da h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce a<span class=\"_ _0\"></span>s at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76e y2a63 w3db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76f y2a63 w36b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a64 w300 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y2a64 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54c y2a64 w3dc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">4<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3c w3d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Repa<span class=\"_ _1\"></span>yments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x767 y2a3c w3dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">(1<span class=\"_ _1\"></span>3.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x770 y2a3c w3de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(14<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w3d6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n on th<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at f<span class=\"_ _0\"></span>air v<span class=\"_ _0\"></span>alu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x771 y2a3d w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x1d6 y2a3d w10c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w3df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>her n<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>sh m<span class=\"_ _0\"></span>oveme<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x772 y2a65 w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x773 y2a65 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w3e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Disposal<span class=\"_ _1\"></span> of dis<span class=\"_ _1\"></span>continued oper<span class=\"_ _1\"></span>ations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x774 y2a3f w3e1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x775 y2a3f w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w3e2 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e as at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x776 y27eb wbb h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x777 y27eb w3e3 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>Financial<span class=\"_ _1\"></span> risk fact<span class=\"_ _1\"></span>ors<span class=\"_ _2d6\"> </span>Credit ri<span class=\"_ _1\"></span>sk<span class=\"_ _2d6\"> </span>Cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk i<span class=\"_ _0\"></span>s the r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al lo<span class=\"_ _0\"></span>ss to the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p if a c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er o<span class=\"_ _0\"></span>r cou<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y to a fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent fai<span class=\"_ _0\"></span>ls to me<span class=\"_ _0\"></span>et its c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>, and a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ses p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>lly f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es fro<span class=\"_ _0\"></span>m cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts he<span class=\"_ _0\"></span>ld at ba<span class=\"_ _0\"></span>nks<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ma<span class=\"_ _0\"></span>xim<span class=\"_ _0\"></span>um expo<span class=\"_ _0\"></span>sure to cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k by cl<span class=\"_ _0\"></span>ass of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>s as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w3e4 hbe\" id=\"_bfed3355-33cf-4a86-a83d-9a17cec4718f\"><tr><td></td><td class=\"t m0 x539 h38 y2a66 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2a66 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2a67 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a67 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y2a68 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a68 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2a69 ff6 fs6 fc5 sc0 ls13 ws12\">Non-current<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a6a waf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x264 y2a6b wb0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x265 y2a6a wb1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a6c wab h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x778 y2a6d w3e5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x779 y2a6c w36b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">25.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a6e ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s:<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a6f w3e6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77a y2a70 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77b y2a6f w379 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y2a71 ff6 fs6 fc5 sc0 ls13 ws12\">Current<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a72 waf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77c y2a73 wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77d y2a72 w14b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a74 wb9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h pr<span class=\"_ _0\"></span>ofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77e y2a75 w3c7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77f y2a74 w3e7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">18.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a76 wbd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4f2 y2a77 w3e8 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x780 y2a76 w371 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a78 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s:<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a2d w3e9 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>les<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x359 y2a2e w168 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x781 y2a2d wfd h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2825 w3e6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67c y2826 w223 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">4.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x782 y2825 w230 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290c w3ea h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">\u2013 Ac<span class=\"_ _1\"></span>crued income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x783 y290d we0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfd wsf6\">5.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x784 y290c w3eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2829 w3ec h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Rent a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r de<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>its<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x785 y282a w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x786 y2829 wdf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290e wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x787 y290f w359 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x788 y290e wc6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">221.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e8 w3ed h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal g<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>ss c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k expo<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>re<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x789 y27e8 w3ee h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">3<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78a y27e7 w3b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">333.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2830 w3ef h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Less b<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>k bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs</div><div class=\"t m0 x78b h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78c y282f w3f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78d y2830 w3bd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w3f1 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal n<span class=\"_ _0\"></span>et c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k expo<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>re<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78e y27ec w3f2 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">215.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78f y27eb w3f3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">2<span class=\"_ _2\"></span>7<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _6\"> </span> <span class=\"_ _b\"></span>I<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>in b<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>row<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs a<span class=\"_ _0\"></span>re \u00a3<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>l (2023: \u00a32<span class=\"_ _0\"></span>.2 m<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) in r<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n to dr<span class=\"_ _0\"></span>awd<span class=\"_ _0\"></span>own<span class=\"_ _0\"></span>s on t<span class=\"_ _0\"></span>he PP<span class=\"_ _0\"></span>PL<span class=\"_ _0\"></span>F an<span class=\"_ _0\"></span>d \u00a310<span class=\"_ _0\"></span>1.9 m<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (2023: \u00a35<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d to th<span class=\"_ _0\"></span>e Fl<span class=\"_ _0\"></span>exi<span class=\"_ _0\"></span>Pay w<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>. In a<span class=\"_ _0\"></span>ddit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p was s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial g<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>rantee<span class=\"_ _0\"></span>s in it<span class=\"_ _0\"></span>s le<span class=\"_ _0\"></span>gac<span class=\"_ _0\"></span>y Europ<span class=\"_ _0\"></span>ean o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h it h<span class=\"_ _0\"></span>ad is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed to buy ba<span class=\"_ _0\"></span>ck l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns. T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s maxi<span class=\"_ _0\"></span>mu<span class=\"_ _0\"></span>m expos<span class=\"_ _0\"></span>ure to cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>ese f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l gua<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ntees were ever<span class=\"_ _0\"></span>y e<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>n req<span class=\"_ _0\"></span>uire<span class=\"_ _0\"></span>d to be b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght ba<span class=\"_ _0\"></span>ck wo<span class=\"_ _0\"></span>uld b<span class=\"_ _0\"></span>e \u00a3ni<span class=\"_ _0\"></span>l (202<span class=\"_ _1\"></span>3: \u00a30.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>An exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>ated to undr<span class=\"_ _0\"></span>awn l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit o<span class=\"_ _0\"></span>n the Fl<span class=\"_ _0\"></span>exiP<span class=\"_ _0\"></span>ay prod<span class=\"_ _0\"></span>uct of \u00a32.7 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>1.4 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) is he<span class=\"_ _0\"></span>ld w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in p<span class=\"_ _0\"></span>rovisi<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s max<span class=\"_ _0\"></span>imu<span class=\"_ _0\"></span>m expos<span class=\"_ _0\"></span>ure to cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k on th<span class=\"_ _0\"></span>e un<span class=\"_ _0\"></span>drawn l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>f they we<span class=\"_ _0\"></span>re al<span class=\"_ _0\"></span>l to be ful<span class=\"_ _0\"></span>ly d<span class=\"_ _0\"></span>rawn wou<span class=\"_ _0\"></span>ld b<span class=\"_ _0\"></span>e \u00a3278.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a3157<span class=\"_ _5\"></span>.3 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion). The Gr<span class=\"_ _0\"></span>oup h<span class=\"_ _0\"></span>as the a<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to freeze, redu<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>r wit<span class=\"_ _0\"></span>hdr<span class=\"_ _0\"></span>aw lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t as a way of man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ri<span class=\"_ _0\"></span>sk as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>tes wi<span class=\"_ _0\"></span>th S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d li<span class=\"_ _0\"></span>nes o<span class=\"_ _0\"></span>f cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span>Un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 9, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ired to p<span class=\"_ _0\"></span>rovide fo<span class=\"_ _0\"></span>r loa<span class=\"_ _0\"></span>ns me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed co<span class=\"_ _0\"></span>st un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it lo<span class=\"_ _0\"></span>ss (\u201c<span class=\"_ _0\"></span>EC<span class=\"_ _0\"></span>L<span class=\"_ _5\"></span>\u201d) m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l. T<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>irm<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>lated to ea<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>s bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the EC<span class=\"_ _0\"></span>Ls as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt of that l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e nex<span class=\"_ _0\"></span>t 12 months u<span class=\"_ _0\"></span>nl<span class=\"_ _0\"></span>ess t<span class=\"_ _0\"></span>here h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en a s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk of t<span class=\"_ _0\"></span>hat l<span class=\"_ _0\"></span>oan s<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>e or<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>inat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>. The b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow facto<span class=\"_ _0\"></span>rs are u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in est<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g the i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt:<span class=\"_ _2d6\"> </span><table class=\"s w3f4 hbf\" id=\"_95010ed9-c655-40c4-ab62-241804d7a9df\"><tr><td class=\"c n x1c5 y2a7a w3f5 h91\"><div class=\"t m0 x1ba ha y27b5 ff5 fs6 fc5 sc0 lsd5 wscc\">Fact<span class=\"_ _1\"></span>or<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x790 y2a7a w3f6 h91\"><div class=\"t m0 x1ba ha y27b5 ff5 fs6 fc5 sc0 lsd5 wscc\">Description<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2a7b ff4 fs6 fc5 sc0 ls2 ws2\">Prob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of </td><td class=\"t m0 x791 hd y2a7b ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed P<span class=\"_ _0\"></span>D mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls ta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ore<span class=\"_ _0\"></span>d to eac<span class=\"_ _0\"></span>h T<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>m Loan o<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>ct to as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>e </td></tr><tr><td class=\"t m0 x256 hd y2a7c ff4 fs6 fc5 sc0 ls2 ws2\">Defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t (\u201c<span class=\"_ _0\"></span>PD<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x791 hd y2a7c ff4 fs6 fc5 sc0 ls2 ws2\">li<span class=\"_ _0\"></span>keli<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>od of d<span class=\"_ _0\"></span>efau<span class=\"_ _0\"></span>lt wi<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>e nex<span class=\"_ _0\"></span>t 12 mont<span class=\"_ _0\"></span>hs an<span class=\"_ _0\"></span>d over th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>fetim<span class=\"_ _0\"></span>e. Th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ate PD bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a7d ff4 fs6 fc5 sc0 ls2 ws2\">latest p<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>avio<span class=\"_ _0\"></span>ur of th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>stom<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s and o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ved h<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l tre<span class=\"_ _0\"></span>nds<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e PD mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>l als<span class=\"_ _0\"></span>o in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es an </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a7e ff4 fs6 fc5 sc0 ls2 ws2\">est<span class=\"_ _0\"></span>imate of t<span class=\"_ _0\"></span>he fu<span class=\"_ _0\"></span>ture m<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>roe<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>c ef<span class=\"_ _0\"></span>fect.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2a7f ff4 fs6 fc5 sc0 ls2 ws2\">Exp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ure at </td><td class=\"t m0 x791 hd y2a7f ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>n E<span class=\"_ _0\"></span>AD m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>del fo<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts to as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>kely exp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ure at d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t. </td></tr><tr><td class=\"t m0 x256 hd y2a80 ff4 fs6 fc5 sc0 ls2 ws2\">Defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t (\u201c<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>\u201d) </td><td class=\"t m0 x791 hd y2a80 ff4 fs6 fc5 sc0 ls2 ws2\">The m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lates e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates of E<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>D bas<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e latest p<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>avio<span class=\"_ _0\"></span>ur of th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>stom<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a81 ff4 fs6 fc5 sc0 ls2 ws2\">li<span class=\"_ _0\"></span>mit u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on, a<span class=\"_ _0\"></span>nd a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>ly<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g a cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>onve<span class=\"_ _0\"></span>rsi<span class=\"_ _0\"></span>on fa<span class=\"_ _0\"></span>ctor a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roa<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2a82 ff4 fs6 fc5 sc0 lsd4 wscb\">Los<span class=\"_ _0\"></span>s Gi<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span>n </td><td class=\"t m0 x791 hd y2a82 ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed LGD m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>s tai<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>red to ea<span class=\"_ _0\"></span>ch T<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>rm Lo<span class=\"_ _0\"></span>an or l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>ct to ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s the l<span class=\"_ _0\"></span>ike<span class=\"_ _0\"></span>ly </td></tr><tr><td class=\"t m0 x256 hd y2a83 ff4 fs6 fc5 sc0 lsca wsc2\">Def<span class=\"_ _1\"></span>ault (\u201cL<span class=\"_ _1\"></span>GD\u201d)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x791 hd y2a83 ff4 fs6 fc5 sc0 ls2 ws2\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s give<span class=\"_ _0\"></span>n an a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>ount d<span class=\"_ _0\"></span>efau<span class=\"_ _0\"></span>lts<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ate esti<span class=\"_ _0\"></span>mates of LGD b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on h<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l data o<span class=\"_ _0\"></span>n </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a84 ff4 fs6 fc5 sc0 ls1e ws26\">observed reco<span class=\"_ _1\"></span>veries against de<span class=\"_ _1\"></span>faulted accoun<span class=\"_ _1\"></span>ts.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y28fd w3f7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt r<span class=\"_ _0\"></span>ate<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x792 y28fd w3f8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p us<span class=\"_ _0\"></span>es ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unt-l<span class=\"_ _0\"></span>evel ef<span class=\"_ _0\"></span>fect<span class=\"_ _0\"></span>ive inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ate whi<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt o<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x791 hd y2a85 ff4 fs6 fc5 sc0 ls2 ws2\">lo<span class=\"_ _0\"></span>an a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt, i<span class=\"_ _0\"></span>nteres<span class=\"_ _0\"></span>t and fe<span class=\"_ _0\"></span>es, exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ted rep<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng pr<span class=\"_ _0\"></span>e-<span class=\"_ _0\"></span>paym<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d term<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr></table>Significant increa<span class=\"_ _1\"></span>se in credit risk: The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>ere ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en a si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ica<span class=\"_ _0\"></span>nt in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se in c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ri<span class=\"_ _0\"></span>sk if t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan o<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>ne of cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>s overdu<span class=\"_ _0\"></span>e, or if th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n frozen due to id<span class=\"_ _0\"></span>entif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of r<span class=\"_ _0\"></span>isk f<span class=\"_ _0\"></span>rom so<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>es su<span class=\"_ _0\"></span>ch as b<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>au data i<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ey have be<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e overdu<span class=\"_ _0\"></span>e on a th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y de<span class=\"_ _0\"></span>bt for examp<span class=\"_ _0\"></span>le, or i<span class=\"_ _0\"></span>f the b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower i<span class=\"_ _0\"></span>s late on an<span class=\"_ _0\"></span>oth<span class=\"_ _0\"></span>er FC pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t. A ba<span class=\"_ _0\"></span>cks<span class=\"_ _0\"></span>top is ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d for any ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts o<span class=\"_ _0\"></span>n the l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent excee<span class=\"_ _0\"></span>d 30 days, i<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e rebu<span class=\"_ _0\"></span>tt<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e pre<span class=\"_ _0\"></span>sum<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n pe<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9.For<span class=\"_ _1\"></span>ecast period<span class=\"_ _1\"></span>: We esti<span class=\"_ _0\"></span>mate PD, EA<span class=\"_ _0\"></span>D and LGD for t<span class=\"_ _0\"></span>he du<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>fetime of t<span class=\"_ _0\"></span>he T<span class=\"_ _1\"></span>erm Lo<span class=\"_ _0\"></span>an or l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>. T<span class=\"_ _5\"></span>e<span class=\"_ _0\"></span>rm Loans u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>e the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al ter<span class=\"_ _0\"></span>m of the T<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>m Loan<span class=\"_ _0\"></span>. For l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit, t<span class=\"_ _0\"></span>he du<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>he li<span class=\"_ _0\"></span>fetime i<span class=\"_ _0\"></span>s est<span class=\"_ _0\"></span>imated to b<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ive ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Def<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t: The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es a defau<span class=\"_ _0\"></span>lt, c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g, as a l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt wit<span class=\"_ _0\"></span>h any out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts exceed<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g a 90<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>day du<span class=\"_ _0\"></span>e date, whi<span class=\"_ _0\"></span>ch ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>int at wh<span class=\"_ _0\"></span>ich t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d to be cre<span class=\"_ _0\"></span>dit-im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ired<span class=\"_ _0\"></span>. In s<span class=\"_ _0\"></span>ome c<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>ums<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>ces w<span class=\"_ _0\"></span>here l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght b<span class=\"_ _0\"></span>ack by t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup, th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>set as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iated w<span class=\"_ _0\"></span>ith the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e meet<span class=\"_ _0\"></span>s the d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion of p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nated c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>red (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>PO<span class=\"_ _0\"></span>CI<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>); this e<span class=\"_ _0\"></span>lem<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent is th<span class=\"_ _0\"></span>erefore b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e sam<span class=\"_ _0\"></span>e defa<span class=\"_ _0\"></span>ult d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n and p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of defa<span class=\"_ _0\"></span>ult u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er I<span class=\"_ _0\"></span>FRS 9; however<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>hey are a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n 12<span class=\"_ _1\"></span>-m<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>h prob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t at the over<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>l avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>ne of cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t level, e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e expec<span class=\"_ _0\"></span>ted uti<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on of the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cred<span class=\"_ _0\"></span>it at th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of defau<span class=\"_ _0\"></span>lt. T<span class=\"_ _0\"></span>he expe<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>s im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciate<span class=\"_ _0\"></span>d with u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>rawn li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t is di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>n note 15 and i<span class=\"_ _0\"></span>n note 27<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ded PP<span class=\"_ _0\"></span>P loa<span class=\"_ _0\"></span>ns fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e use of th<span class=\"_ _0\"></span>e PPPLF<span class=\"_ _1\"></span>. The l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns were gu<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>antee<span class=\"_ _0\"></span>d by the U<span class=\"_ _0\"></span>S govern<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e event of defau<span class=\"_ _0\"></span>lt a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans wer<span class=\"_ _0\"></span>e antic<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>ated to be forg<span class=\"_ _0\"></span>iven<span class=\"_ _0\"></span>. At the po<span class=\"_ _0\"></span>int of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t and subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nt col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e gu<span class=\"_ _0\"></span>ara<span class=\"_ _0\"></span>ntee or p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of forgive<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>an an<span class=\"_ _0\"></span>d the re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ive bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he PPPLF we<span class=\"_ _0\"></span>re exti<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>uis<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>d. S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t als<span class=\"_ _0\"></span>o in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns whi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n bo<span class=\"_ _0\"></span>ught b<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k from investor<span class=\"_ _0\"></span>s wit<span class=\"_ _0\"></span>h the i<span class=\"_ _0\"></span>ntentio<span class=\"_ _0\"></span>n of col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows<span class=\"_ _0\"></span>. Lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s \u00a397<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a350.0 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) of drawn a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts th<span class=\"_ _0\"></span>roug<span class=\"_ _0\"></span>h th<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t net of ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> credit<span class=\"_ _1\"></span> loss impairmen<span class=\"_ _1\"></span>t.<span class=\"_ _2d6\"> </span>The g<span class=\"_ _0\"></span>ross p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ipa<span class=\"_ _0\"></span>l val<span class=\"_ _0\"></span>ue of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at am<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>tised c<span class=\"_ _0\"></span>ost is \u00a3<span class=\"_ _0\"></span>11.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a321.4 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and dr<span class=\"_ _0\"></span>awn li<span class=\"_ _0\"></span>nes of cre<span class=\"_ _0\"></span>dit is \u00a3<span class=\"_ _0\"></span>110.0 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a355.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _1\"></span>, tota<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing \u00a3<span class=\"_ _0\"></span>121.3 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (2023<span class=\"_ _1\"></span>: \u00a3<span class=\"_ _0\"></span>76.8 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on), and an a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses of \u00a39.<span class=\"_ _0\"></span>2 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a314.7 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and \u00a312.9 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a35.4 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) resp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ively, t<span class=\"_ _1\"></span>ota<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing \u00a322.<span class=\"_ _1\"></span>1 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a320.<span class=\"_ _1\"></span>1 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _1\"></span>, i<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst th<span class=\"_ _0\"></span>ese l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d draw<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t as deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>An i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge of \u00a37<span class=\"_ _5\"></span>.0 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: impa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ment c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge of \u00a33.3 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) was rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsive i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>n the ye<span class=\"_ _0\"></span>ar to 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in (p<span class=\"_ _0\"></span>rovis<span class=\"_ _0\"></span>ion)/credit for exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>lated to draw<span class=\"_ _0\"></span>n lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t and S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost.<span class=\"_ _2d6\"> </span>Addi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>n expe<span class=\"_ _0\"></span>cted cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>s im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent c<span class=\"_ _0\"></span>harg<span class=\"_ _0\"></span>e was re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed re<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ing to un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>awn Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t of \u00a31.3 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (31 Dece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023: \u00a31.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and an exp<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge of \u00a3n<span class=\"_ _0\"></span>il (31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023: cre<span class=\"_ _0\"></span>dit of \u00a30.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) related to th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>n rep<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d an exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it lo<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge re<span class=\"_ _0\"></span>lated to op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al b<span class=\"_ _0\"></span>uyb<span class=\"_ _0\"></span>acks of \u00a30.<span class=\"_ _0\"></span>4 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3nil) were re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed a<span class=\"_ _0\"></span>s detai<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d in n<span class=\"_ _0\"></span>otes 15 and 27<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ba<span class=\"_ _0\"></span>nds ea<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n investm<span class=\"_ _0\"></span>ent at o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n usi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>n inter<span class=\"_ _0\"></span>nal r<span class=\"_ _0\"></span>isk r<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng an<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>ses o<span class=\"_ _0\"></span>n a co<span class=\"_ _0\"></span>lle<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve por<span class=\"_ _2\"></span>tfoli<span class=\"_ _0\"></span>o bas<span class=\"_ _0\"></span>is by pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t. C<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k gr<span class=\"_ _0\"></span>ade<span class=\"_ _0\"></span>s are n<span class=\"_ _0\"></span>ot repo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ted to ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent on a<span class=\"_ _0\"></span>n on<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s and t<span class=\"_ _0\"></span>he on<span class=\"_ _0\"></span>ly bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>r sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic infor<span class=\"_ _0\"></span>mat<span class=\"_ _0\"></span>ion t<span class=\"_ _0\"></span>hat is p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d use<span class=\"_ _0\"></span>d is pa<span class=\"_ _0\"></span>st du<span class=\"_ _0\"></span>e status<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>ere is n<span class=\"_ _0\"></span>o sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of<span class=\"_ _1\"></span> credit ri<span class=\"_ _1\"></span>sk to<span class=\"_ _1\"></span> specific indu<span class=\"_ _1\"></span>stries or<span class=\"_ _1\"></span> geographical r<span class=\"_ _1\"></span>egions.<span class=\"_ _2d6\"> </span><table class=\"s w3f9 hc0\" id=\"_105c04c7-ec11-4c2c-b118-bba9113016ad\"><tr><td></td><td class=\"t m0 x2a9 h35 y2a86 ff4 fs19 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x793 h35 y2a86 ff4 fs19 fc5 sc0 ls153 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 2<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x424 h35 y2a86 ff4 fs19 fc5 sc0 ls153 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x68a h35 y2a87 ff4 fs19 fc5 sc0 lsc4 ws14c\">Per<span class=\"_ _0\"></span>formin<span class=\"_ _0\"></span>g:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x794 h35 y2a87 ff4 fs19 fc5 sc0 ls137 ws132\">Underperforming:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x795 h35 y2a87 ff4 fs19 fc5 sc0 lsf2 wseb\">Non-performing:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h35 y2a87 ff4 fs19 fc5 sc0 ls159 ws157\">POCI:<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x796 h35 y2a88 ff4 fs19 fc5 sc0 ls17a ws17b\">12-<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x797 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x798 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x799 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a88 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2a89 ff5 fs6 fc5 sc0 lsd5 wscc\">Reconciliation o<span class=\"_ _1\"></span>f opening to<span class=\"_ _1\"></span> closing ECL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x68f h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b9 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a8a w3fa h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79a y2a8b w3fb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79b y2a8b w326 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79c y2a8b w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79d y2a8b w3fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79e y2a8b w3fd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">16.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8c w3fe h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls80 ws14\">Impairment<span class=\"_ _1\"></span> against ne<span class=\"_ _1\"></span>w lending and<span class=\"_ _1\"></span> purchased<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79f y2a8c w3ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls88 ws84\">12<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a0 y2a8c w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x606 y2a8c w1b1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a1 y2a8c w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a2 y2a8c w400 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8d w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x603 y2a8d w240 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a3 y2a8d w401 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a8e w402 h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>st lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls103 wsfc\">stages<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a8 y2a8e w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a4 y2a8e w272 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a5 y2a8e w403 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x555 y2a8e w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a6 y2a8e w230 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8f w404 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Loans<span class=\"_ _1\"></span> repaid<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a7 y2a8f w405 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a8 y2a8f w1c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a9 y2a8f w39b h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7aa y2a8f w406 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(0.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x1c9 y2a8f w407 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(<span class=\"_ _0\"></span>11.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a90 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss g<span class=\"_ _0\"></span>iven </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a91 w408 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">def<span class=\"_ _1\"></span>ault assump<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ab y2a91 w409 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(1.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ac y2a91 w39c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ad y2a91 we7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ae y2a91 w397 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7af y2a91 w30f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(0<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a92 w40a h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b0 y2a93 w40b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b1 y2a93 w274 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b2 y2a93 w40c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">3<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f0 y2a93 w40d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e6 y2a93 w40e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a94 w3fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls80 ws14\">Impairment<span class=\"_ _1\"></span> against ne<span class=\"_ _1\"></span>w lending and<span class=\"_ _1\"></span> purchased<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b3 y2a95 w40f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">12<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b4 y2a95 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ba y2a95 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ac y2a95 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b5 y2a95 w410 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">12<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a96 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a97 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a97 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b6 y2a97 w411 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _2\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b7 y2a97 w51 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>0.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b8 y2a97 w259 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a98 w402 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>st lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">stages<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b9 y2a99 w412 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ba y2a99 w413 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">3.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bb y2a99 w414 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bc y2a99 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bd y2a99 w415 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a9a w404 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Loans<span class=\"_ _1\"></span> repaid<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a7 y2a9b w416 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(11<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7be y2a9b w417 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bf y2a9b w259 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c0 y2a9b w418 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">(0.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c1 y2a9b w247 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">(15.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2852 w419 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls13 ws12\">Impairmen<span class=\"_ _1\"></span>t prov<span class=\"_ _1\"></span>ision der<span class=\"_ _1\"></span>ecognised rel<span class=\"_ _1\"></span>ated<span class=\"_ _1\"></span> to<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">wr<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ten of<span class=\"_ _0\"></span>f lo<span class=\"_ _0\"></span>ans<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c2 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c3 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c4 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c5 y2a9c w1ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c6 y2a9c w51 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a9d ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss g<span class=\"_ _0\"></span>iven </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a9e w408 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">def<span class=\"_ _1\"></span>ault assump<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c7 y2a9f w32d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c8 y2a9f w79 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c9 y2a9f w41a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ca y2a9f w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cb y2a9f w41b h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0.5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2aa0 ff4 fs6 fc5 sc0 ls2 ws2\">De<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iated w<span class=\"_ _0\"></span>ith a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a3f w41c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">of<span class=\"_ _1\"></span> discontin<span class=\"_ _1\"></span>ued operation<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cc y2aa1 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cd y2aa1 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ce y2aa1 w1b0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cf y2aa1 w41d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d0 y2aa1 w41e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x622 y27eb w31 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls15 ws14\">2.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a4 y27eb wb0 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d1 y27eb w161 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">9.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d2 y27eb w41f h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls7e ws7a\">8<span class=\"_ _0\"></span>.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d3 y27eb w420 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w421 hc1\" id=\"_de55c40e-747f-4cfe-a54d-d735a431617d\"><tr><td></td><td></td><td></td><td class=\"t m1 x7d4 h35 y2aa2 ff4 fs19 fc5 sc0 lsd9 wsd0\">Gross<span class=\"_ _1\"></span> lines<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x7d5 h35 y2aa3 ff4 fs19 fc5 sc0 ls2 ws2\">of cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x7d6 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>s for<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x6c0 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x561 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">Prov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7d7 h35 y2aa5 ff4 fs19 fc5 sc0 lscf wsc6\">Expect<span class=\"_ _1\"></span>ed credit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d8 h35 y2aa5 ff4 fs19 fc5 sc0 lse4 wsdd\">recognition o<span class=\"_ _1\"></span>f<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d5 h35 y2aa5 ff4 fs19 fc5 sc0 lsf1 wsea\">at amortised<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d9 h35 y2aa5 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7da h35 y2aa5 ff4 fs19 fc5 sc0 lsd0 wsc7\">Net carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7db h35 y2aa6 ff4 fs19 fc5 sc0 ls106 wsff\">lo<span class=\"_ _0\"></span>ss cove<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2aa6 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted cr<span class=\"_ _1\"></span>edit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dd h35 y2aa6 ff4 fs19 fc5 sc0 ls3e ws3f\">cost<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5eb h35 y2aa6 ff4 fs19 fc5 sc0 ls2 ws2\">cre<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7de h35 y2aa6 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7df h35 y2aa7 ff4 fs19 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2aa7 ff4 fs19 fc5 sc0 lsd1 wsc8\">loss impairmen<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5ef h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x254 h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x255 h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 ha y2aa8 ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2aa9 w422 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e0 y2aa9 wdf h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e1 y2aa9 w423 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">12-mo<span class=\"_ _0\"></span>nth EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e2 y2aa9 w424 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">55.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e3 y2aa9 w425 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1<span class=\"_ _0\"></span>.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e4 y2aa9 w426 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">54.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aaa w427 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e5 y2aaa w371 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e6 y2aaa w428 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e7 y2aaa w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e8 y2aaa w429 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e9 y2aaa w274 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y284e w42a h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ea y284e w42b h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">86.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7eb y284e w428 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ec y284e wb7 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ed y284e w2a7 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ee y284e w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aab w42c h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">PO<span class=\"_ _0\"></span>CI (9<span class=\"_ _0\"></span>0+ days overd<span class=\"_ _0\"></span>ue)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ef y2aab w42d h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">93.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f0 y2aab w42e h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime<span class=\"_ _1\"></span> ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f1 y2aab w11e h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f2 y2aab w42f h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a6 y2aab w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f3 y2a3a w430 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls175 ws176\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f4 y2a3a w431 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls52 ws50\">76.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f5 y2a3a w432 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f6 y2a3a w433 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">56<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m1 x256 ha y2aac ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2aad w422 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f7 y2aae w30 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">2<span class=\"_ _0\"></span>.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f8 y2aae w434 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">12-<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f9 y2aae w435 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fa y2aae w436 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fb y2aae w437 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd2 wsc9\">96.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w427 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fc y2aaf w438 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">43.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fd y2aaf w439 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fe y2aaf w43a h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">3.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ff y2aaf w43b h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x800 y2aaf w360 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w42a h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x801 y2ab0 w43c h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">90.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x802 y2ab0 w43d h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x803 y2ab0 w43e h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x804 y2ab0 w43f h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x805 y2ab0 w230 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2ab1 w440 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x806 y2ab2 w441 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">98.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x807 y2ab2 w442 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetim<span class=\"_ _0\"></span>e ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x808 y2ab2 w443 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x809 y2ab2 w79 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80a y2ab2 wea h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80b y27eb w444 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17b ws17c\">To<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80c y27eb w445 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd4 wscb\">121.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80d y27eb w9a h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80e y27eb w446 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w421 hc2\" id=\"_22048104-2952-4c04-8f83-9d40322778ae\"><tr><td></td><td></td><td class=\"t m1 x7d6 h35 y2ab3 ff4 fs19 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>s for<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m1 x561 h35 y2ab3 ff4 fs19 fc5 sc0 ls2 ws2\">Prov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7d7 h35 y2ab4 ff4 fs19 fc5 sc0 lscf wsc6\">Expect<span class=\"_ _1\"></span>ed credit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d8 h35 y2ab4 ff4 fs19 fc5 sc0 lse4 wsdd\">recognition o<span class=\"_ _1\"></span>f<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d4 h35 y2ab4 ff4 fs19 fc5 sc0 lsd9 wsd0\">Gross<span class=\"_ _1\"></span> lines<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d9 h35 y2ab4 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7da h35 y2ab4 ff4 fs19 fc5 sc0 lsd0 wsc7\">Net carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7db h35 y2ab5 ff4 fs19 fc5 sc0 ls106 wsff\">lo<span class=\"_ _0\"></span>ss cove<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2ab5 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted cr<span class=\"_ _1\"></span>edit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x80f h35 y2ab5 ff4 fs19 fc5 sc0 ls2 ws2\">of cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5eb h35 y2ab5 ff4 fs19 fc5 sc0 ls2 ws2\">cre<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7de h35 y2ab5 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 h35 y2ab6 ff4 fs19 fc5 sc0 ls2 ws2\">Of w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>s dr<span class=\"_ _0\"></span>awn F<span class=\"_ _0\"></span>lex<span class=\"_ _0\"></span>iP<span class=\"_ _0\"></span>ay li<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7df h35 y2ab6 ff4 fs19 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2ab6 ff4 fs19 fc5 sc0 lsd1 wsc8\">loss impairmen<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5ef h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x254 h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x255 h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 ha y2ab7 ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2ab8 w422 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e0 y2ab8 w447 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x810 y2ab8 w448 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">12-mo<span class=\"_ _0\"></span>nth EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x811 y2ab8 w1e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5<span class=\"_ _0\"></span>0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x812 y2ab8 w449 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x813 y2ab8 w44a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">48.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aaa w427 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e5 y2aaa w44b h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls128 ws14a\">52<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x814 y2aaa w44c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime E<span class=\"_ _1\"></span>CL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x815 y2aaa w169 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x816 y2aaa w349 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x817 y2aaa w190 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y284e w42a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x818 y284e w44d h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">93.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x819 y284e w44e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Lifetim<span class=\"_ _1\"></span>e ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81a y284e w127 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81b y284e w1f9 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81c y284e w20e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2ab9 w440 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81d y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81e y2ab9 w44f h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Life<span class=\"_ _1\"></span>time ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81f y2ab9 w28 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77a y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x820 y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f3 y2a3a w430 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls175 ws176\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x821 y2a3a w13a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">55<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x822 y2a3a w450 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(5.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x823 y2a3a w371 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m1 x256 ha y2aba ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a3c w422 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f7 y2abb w30 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">2<span class=\"_ _0\"></span>.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f8 y2abb w434 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">12-<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x824 y2abb w451 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x825 y2abb w452 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(2<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x826 y2abb w453 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">94.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w427 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x827 y2aaf w438 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">43.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x828 y2aaf w43d h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x829 y2aaf w43a h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">3.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82a y2aaf w43b h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82b y2aaf w388 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w42a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82c y2ab0 w454 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">89.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82d y2ab0 w455 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">L<span class=\"_ _0\"></span>ifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82e y2ab0 w456 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">9.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82f y2ab0 w457 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x830 y2ab0 w230 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w440 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x831 y2aa1 w105 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x832 y2aa1 w458 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Li<span class=\"_ _0\"></span>fetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2aa1 w1c h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x833 y2aa1 w28 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x834 y2aa1 w1c h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80b y27eb w444 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17b ws17c\">To<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x835 y27eb w3b2 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">110.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x836 y27eb w459 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd4 wscb\">(<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x837 y27eb wbe h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.1<span class=\"_ _2d6\"> </span></div></td></tr></table>The r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k and f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ce fu<span class=\"_ _0\"></span>nct<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p mo<span class=\"_ _0\"></span>nitor t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce of t<span class=\"_ _0\"></span>he Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cul<span class=\"_ _0\"></span>ate the EC<span class=\"_ _0\"></span>L esti<span class=\"_ _0\"></span>mate req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red for f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e teams re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t to the Chi<span class=\"_ _0\"></span>ef Fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l Of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er (<span class=\"_ _0\"></span>\u201cC<span class=\"_ _0\"></span>FO\u201d<span class=\"_ _0\"></span>) an<span class=\"_ _0\"></span>d Ch<span class=\"_ _0\"></span>ief R<span class=\"_ _0\"></span>isk O<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>r (\u201c<span class=\"_ _0\"></span>CRO<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>). Disc<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns of est<span class=\"_ _0\"></span>imates p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d res<span class=\"_ _0\"></span>ults a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld regularly<span class=\"_ _1\"></span> at Balance Shee<span class=\"_ _1\"></span>t Management<span class=\"_ _1\"></span> and Impairment and<span class=\"_ _1\"></span> Valua<span class=\"_ _1\"></span>tion Committee<span class=\"_ _1\"></span> meetings along<span class=\"_ _1\"></span> with regular<span class=\"_ _1\"></span> updat<span class=\"_ _1\"></span>es provi<span class=\"_ _0\"></span>ded to th<span class=\"_ _0\"></span>e Aud<span class=\"_ _0\"></span>it C<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tee.<span class=\"_ _2d6\"> </span>Forward<span class=\"_ _1\"></span>-looking inf<span class=\"_ _1\"></span>ormation<span class=\"_ _1\"></span> and scen<span class=\"_ _1\"></span>arios: The a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for expe<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s requ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d est<span class=\"_ _0\"></span>imat<span class=\"_ _0\"></span>ion to as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>s in<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>dua<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>ans o<span class=\"_ _0\"></span>r wh<span class=\"_ _0\"></span>en ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g stat<span class=\"_ _0\"></span>isti<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l mo<span class=\"_ _0\"></span>del<span class=\"_ _0\"></span>s for co<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ive ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>ast expe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>e of his<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>cal d<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss t<span class=\"_ _0\"></span>rend<span class=\"_ _0\"></span>s, as wel<span class=\"_ _0\"></span>l as for<span class=\"_ _0\"></span>wa<span class=\"_ _0\"></span>rd-<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ok<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g infor<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n the for<span class=\"_ _0\"></span>m of ma<span class=\"_ _0\"></span>croe<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic s<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>ios gover<span class=\"_ _0\"></span>ned by a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tee, whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>rs ma<span class=\"_ _0\"></span>cro<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>c forec<span class=\"_ _0\"></span>ast<span class=\"_ _0\"></span>s suc<span class=\"_ _0\"></span>h as ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ges i<span class=\"_ _0\"></span>n interes<span class=\"_ _0\"></span>t rates, GD<span class=\"_ _0\"></span>P an<span class=\"_ _0\"></span>d inf<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red for i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n into sc<span class=\"_ _0\"></span>ena<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>os an<span class=\"_ _0\"></span>d prob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty we<span class=\"_ _0\"></span>ighted<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se sc<span class=\"_ _0\"></span>ena<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>os are uti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed to de<span class=\"_ _0\"></span>rive a d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t stres<span class=\"_ _0\"></span>s mu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>r in th<span class=\"_ _0\"></span>e uns<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>sed P<span class=\"_ _0\"></span>D proj<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>hed f<span class=\"_ _0\"></span>rom h<span class=\"_ _0\"></span>istor<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>al expe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce<span class=\"_ _2d6\"> </span>.<span class=\"_ _2d6\"> </span>Key chan<span class=\"_ _0\"></span>ges to sc<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>os us<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n 202<span class=\"_ _1\"></span>4: Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s moved away fro<span class=\"_ _0\"></span>m usi<span class=\"_ _0\"></span>ng ma<span class=\"_ _0\"></span>cro<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>c sce<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>s der<span class=\"_ _0\"></span>ived f<span class=\"_ _0\"></span>rom US m<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>roe<span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>ic dat<span class=\"_ _0\"></span>a (pr<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>ly G<span class=\"_ _0\"></span>DP w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h co<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>lated we<span class=\"_ _0\"></span>ll to US ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e of<span class=\"_ _0\"></span>f rates) toward a focus o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e UK ma<span class=\"_ _0\"></span>cro e<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic d<span class=\"_ _0\"></span>ata al<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g wit<span class=\"_ _0\"></span>h the d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>osa<span class=\"_ _0\"></span>l of the U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>. UK<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>spe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c forec<span class=\"_ _0\"></span>ast d<span class=\"_ _0\"></span>ata was obta<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed fro<span class=\"_ _0\"></span>m a th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>cs p<span class=\"_ _0\"></span>rovid<span class=\"_ _0\"></span>er for th<span class=\"_ _0\"></span>ree s<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>ios; a b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ne, ups<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>e and d<span class=\"_ _0\"></span>owns<span class=\"_ _0\"></span>ide s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>io. A nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of data p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nts were o<span class=\"_ _0\"></span>btai<span class=\"_ _0\"></span>ned a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red by Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng GD<span class=\"_ _0\"></span>P<span class=\"_ _5\"></span>, real e<span class=\"_ _0\"></span>state pr<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s, un<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyment r<span class=\"_ _0\"></span>ates, am<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g othe<span class=\"_ _0\"></span>rs, h<span class=\"_ _0\"></span>owever une<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loym<span class=\"_ _0\"></span>ent he<span class=\"_ _0\"></span>ld t<span class=\"_ _0\"></span>he st<span class=\"_ _0\"></span>rong<span class=\"_ _0\"></span>est c<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to UK i<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lven<span class=\"_ _0\"></span>cy rates an<span class=\"_ _0\"></span>d was deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d to be mo<span class=\"_ _0\"></span>re su<span class=\"_ _0\"></span>itab<span class=\"_ _0\"></span>le u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er stat<span class=\"_ _0\"></span>isti<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l mo<span class=\"_ _0\"></span>del<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng tec<span class=\"_ _0\"></span>hn<span class=\"_ _0\"></span>iqu<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>. As a res<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t une<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loym<span class=\"_ _0\"></span>ent was u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d as a si<span class=\"_ _0\"></span>ngl<span class=\"_ _0\"></span>e fac<span class=\"_ _0\"></span>tor forec<span class=\"_ _0\"></span>ast i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>ut for deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng sc<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>os ut<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d for PD stre<span class=\"_ _0\"></span>ss m<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>lie<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>. The s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ios u<span class=\"_ _0\"></span>sed we<span class=\"_ _0\"></span>re as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w45a hc3\" id=\"_2712c60a-f374-4fa8-a4fe-794b1cd29444\"><tr><td class=\"t m0 x21d hd y2abc ff4 fs6 fc5 sc0 ls13 ws12\">Macroeconomi<span class=\"_ _1\"></span>c driver<span class=\"_ _1\"></span>s <span class=\"ls2 ws2\"> </span></td><td></td><td class=\"t m0 x838 hd y2abc ff4 fs6 fc5 sc0 ls8a ws86\">2025<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x383 hd y2abc ff4 fs6 fc5 sc0 ls53 ws6d\">2026<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x839 hd y2abc ff4 fs6 fc5 sc0 ls34 ws35\">2027<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83a hd y2abc ff4 fs6 fc5 sc0 ls53 ws6d\">2028<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d hd y2abc ff4 fs6 fc5 sc0 lsd6 wscd\">2029<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2abd w45b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">(averag<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e fore<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>st yea<span class=\"_ _0\"></span>r)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x83b y2abd w45c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">ECL scenarios<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x73f hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73c hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83c hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83d hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83e hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a20 w45d h91\"><div class=\"t m0 x1ba hd y27a2 ff3 fs6 fc5 sc0 ls13 ws12\">Unemploymen<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e %<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x83f y2a1f w45e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsc wsb\">Upside<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x840 y2a1f w260 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.97<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x841 y2a1f w1e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.65<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x842 y2a1f w45f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.62<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x843 y2a1f w460 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.6<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x629 y2a1f w461 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.64<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x417 y29b1 w462 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">Base case<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x844 y29b1 w463 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">4.40<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x845 y29b1 w464 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">4.31<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x846 y29b1 w465 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">4<span class=\"_ _0\"></span>.1<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x847 y29b1 w466 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>.06<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x848 y29b1 w467 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4.0<span class=\"_ _0\"></span>0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x849 y27eb w468 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">Dow<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84a y27eb w469 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">5<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84b y27eb w46a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">5.98<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84c y27eb w46b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">6.7<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84d y27eb w46c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">6.71<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84e y27eb w136 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">6.4<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>A sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ty to th<span class=\"_ _0\"></span>ese as<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>ons o<span class=\"_ _0\"></span>n the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated EC<span class=\"_ _0\"></span>L is dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n note 2.<span class=\"_ _2d6\"> </span>The n<span class=\"_ _0\"></span>ature of th<span class=\"_ _0\"></span>e stre<span class=\"_ _0\"></span>ss fore<span class=\"_ _0\"></span>cas<span class=\"_ _0\"></span>ts was l<span class=\"_ _0\"></span>ower tha<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>ose us<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the p<span class=\"_ _0\"></span>revio<span class=\"_ _0\"></span>us yea<span class=\"_ _0\"></span>r whe<span class=\"_ _0\"></span>re the<span class=\"_ _0\"></span>re was a s<span class=\"_ _0\"></span>hif<span class=\"_ _0\"></span>t away from s<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ter<span class=\"_ _1\"></span>, s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r stre<span class=\"_ _0\"></span>ss fore<span class=\"_ _0\"></span>cas<span class=\"_ _0\"></span>t expec<span class=\"_ _0\"></span>tati<span class=\"_ _0\"></span>ons as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rp i<span class=\"_ _0\"></span>nflat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n and s<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>ply c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>in is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>es to a more \u201c<span class=\"_ _0\"></span>tra<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal<span class=\"_ _2\"></span>\u201d grad<span class=\"_ _0\"></span>ual b<span class=\"_ _0\"></span>ut l<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ger l<span class=\"_ _0\"></span>ast<span class=\"_ _0\"></span>ing s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>s. I<span class=\"_ _0\"></span>n com<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>natio<span class=\"_ _0\"></span>n wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>is mo<span class=\"_ _0\"></span>re mute<span class=\"_ _0\"></span>d stres<span class=\"_ _0\"></span>s mu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ier d<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ived f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>e sce<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>s FC shi<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ted its b<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>k weig<span class=\"_ _0\"></span>hti<span class=\"_ _0\"></span>ng fro<span class=\"_ _0\"></span>m 70% base<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ne, 20% down<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>e, 10% ups<span class=\"_ _0\"></span>ide f<span class=\"_ _0\"></span>rom F<span class=\"_ _0\"></span>Y 2023 to 60% bas<span class=\"_ _0\"></span>eli<span class=\"_ _0\"></span>ne, 3<span class=\"_ _0\"></span>0% downs<span class=\"_ _0\"></span>ide a<span class=\"_ _0\"></span>nd 10% u<span class=\"_ _0\"></span>psi<span class=\"_ _0\"></span>de i<span class=\"_ _0\"></span>n 202<span class=\"_ _1\"></span>4 b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>au<span class=\"_ _0\"></span>se in Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e\u2019s j<span class=\"_ _0\"></span>udg<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>re subt<span class=\"_ _0\"></span>le dow<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t is mo<span class=\"_ _0\"></span>re pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>le th<span class=\"_ _0\"></span>an t<span class=\"_ _0\"></span>he hi<span class=\"_ _0\"></span>ghe<span class=\"_ _0\"></span>r stre<span class=\"_ _0\"></span>ss us<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>ior yea<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>\u2019s s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ios hav<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ered p<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le we<span class=\"_ _0\"></span>ight<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>Cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ri<span class=\"_ _0\"></span>sk as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>ted wi<span class=\"_ _0\"></span>th oth<span class=\"_ _0\"></span>er f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l as<span class=\"_ _0\"></span>sets<span class=\"_ _0\"></span>:<span class=\"_ _2d6\"> </span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss re<span class=\"_ _0\"></span>late to the u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g po<span class=\"_ _0\"></span>ol of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns fro<span class=\"_ _0\"></span>m the l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>acy ware<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>PVs that have si<span class=\"_ _0\"></span>nce b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d or novated i<span class=\"_ _0\"></span>nto other Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s, but r<span class=\"_ _0\"></span>ema<span class=\"_ _0\"></span>in he<span class=\"_ _0\"></span>ld at F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el of ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s for sa<span class=\"_ _0\"></span>le. Ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ly l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nated by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e intenti<span class=\"_ _0\"></span>on of se<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g onwar<span class=\"_ _0\"></span>ds are i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n thi<span class=\"_ _0\"></span>s categ<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>y.<span class=\"_ _2d6\"> </span>T<span class=\"_ _1\"></span>rade r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt the i<span class=\"_ _0\"></span>nvoice<span class=\"_ _0\"></span>d am<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>s in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g fees du<span class=\"_ _0\"></span>e fro<span class=\"_ _0\"></span>m inst<span class=\"_ _0\"></span>itut<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal i<span class=\"_ _0\"></span>nvestors<span class=\"_ _0\"></span>. The r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>ss is d<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>med m<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ima<span class=\"_ _0\"></span>l be<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>use t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>unter<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are wel<span class=\"_ _0\"></span>l est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>hed f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>stitu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>On<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it eval<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on is p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>d on t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l con<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of othe<span class=\"_ _0\"></span>r rece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s and, w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re ap<span class=\"_ _0\"></span>pro<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>iate, a provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n for expe<span class=\"_ _0\"></span>cted cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>orde<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts.<span class=\"_ _2d6\"> </span>Ot<span class=\"_ _0\"></span>her re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>les i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in s<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es of of<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ces re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt valu<span class=\"_ _0\"></span>e of fut<span class=\"_ _0\"></span>ure su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ease paym<span class=\"_ _0\"></span>ents re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re app<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ate, impa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt is rec<span class=\"_ _0\"></span>ord<span class=\"_ _0\"></span>ed wh<span class=\"_ _0\"></span>ere t<span class=\"_ _0\"></span>he rec<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e is i<span class=\"_ _0\"></span>n doubt<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>In<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>al ri<span class=\"_ _0\"></span>sk l<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>ts for ba<span class=\"_ _0\"></span>nks a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns are s<span class=\"_ _0\"></span>et by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p wit<span class=\"_ _0\"></span>h referenc<span class=\"_ _0\"></span>e to exter<span class=\"_ _0\"></span>nal r<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g ag<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s tre<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y po<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>cy has s<span class=\"_ _0\"></span>et li<span class=\"_ _0\"></span>mits a<span class=\"_ _0\"></span>nd q<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>at the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p mus<span class=\"_ _0\"></span>t rema<span class=\"_ _0\"></span>in w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in. N<span class=\"_ _0\"></span>o cre<span class=\"_ _0\"></span>dit o<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>unter<span class=\"_ _0\"></span>par<span class=\"_ _2\"></span>ty li<span class=\"_ _0\"></span>mits we<span class=\"_ _0\"></span>re excee<span class=\"_ _0\"></span>ded d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s cash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h equ<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts sp<span class=\"_ _0\"></span>lit by S<span class=\"_ _0\"></span>&amp;P c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y rati<span class=\"_ _0\"></span>ng we<span class=\"_ _0\"></span>re A<span class=\"_ _0\"></span>/A- rated: \u00a35<span class=\"_ _1\"></span>1.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a371.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on), A<span class=\"_ _1\"></span>+ or b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ter rated: \u00a3136.<span class=\"_ _0\"></span>3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3150.<span class=\"_ _1\"></span>1 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) an<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>low A-r<span class=\"_ _0\"></span>ated: \u00a3nil (2023: \u00a3nil).<span class=\"_ _2d6\"> </span>Liquidity risk<span class=\"_ _1\"></span> Liq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y ri<span class=\"_ _0\"></span>sk is t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isk t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up wi<span class=\"_ _0\"></span>ll n<span class=\"_ _0\"></span>ot be ab<span class=\"_ _0\"></span>le to me<span class=\"_ _0\"></span>et its f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>ons as t<span class=\"_ _0\"></span>hey fal<span class=\"_ _0\"></span>l du<span class=\"_ _0\"></span>e. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ap<span class=\"_ _0\"></span>proa<span class=\"_ _0\"></span>ch to ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g li<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y is to en<span class=\"_ _0\"></span>sure, as f<span class=\"_ _0\"></span>ar as p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e, that i<span class=\"_ _0\"></span>t wil<span class=\"_ _0\"></span>l al<span class=\"_ _0\"></span>ways have suf<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ent f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial re<span class=\"_ _0\"></span>sou<span class=\"_ _0\"></span>rce<span class=\"_ _0\"></span>s to meet it<span class=\"_ _0\"></span>s lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies w<span class=\"_ _0\"></span>hen d<span class=\"_ _0\"></span>ue, un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r both n<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>l and s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d con<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns, wi<span class=\"_ _0\"></span>tho<span class=\"_ _0\"></span>ut in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ing u<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>cce<span class=\"_ _0\"></span>ptab<span class=\"_ _0\"></span>le l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>r ris<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng d<span class=\"_ _0\"></span>ama<span class=\"_ _0\"></span>ge to the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s l<span class=\"_ _0\"></span>iqu<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on is m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>itore<span class=\"_ _0\"></span>d and rev<span class=\"_ _0\"></span>iewed o<span class=\"_ _0\"></span>n an o<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>oin<span class=\"_ _0\"></span>g bas<span class=\"_ _0\"></span>is by th<span class=\"_ _0\"></span>e Di<span class=\"_ _0\"></span>rector<span class=\"_ _0\"></span>s. The a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he fol<span class=\"_ _0\"></span>lowi<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>re the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al u<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unted c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows<span class=\"_ _0\"></span>. The l<span class=\"_ _0\"></span>iq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ents of ban<span class=\"_ _0\"></span>k bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s are m<span class=\"_ _0\"></span>et from c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows gen<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated by investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n FlexiP<span class=\"_ _0\"></span>ay lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span>The m<span class=\"_ _0\"></span>atur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y ana<span class=\"_ _0\"></span>lysi<span class=\"_ _0\"></span>s of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 and 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023 is as fol<span class=\"_ _0\"></span>lows: <table class=\"s w46d hc4\" id=\"_69e93bc9-69bb-443c-878c-14c39d079fa5\"><tr><td></td><td></td><td class=\"t m0 x84f h38 y2abf ff2 fs19 fc3 sc0 ls120 ws118\">Between<span class=\"_ _2d6\"> </span></td><td></td><td></td><td class=\"t m0 x850 h38 y2abf ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x851 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Le<span class=\"_ _0\"></span>ss t<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x852 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs a<span class=\"_ _0\"></span>nd<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x853 h38 y2ac0 ff2 fs19 fc3 sc0 ls120 ws118\">Between<span class=\"_ _1\"></span> 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x854 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Ove<span class=\"_ _0\"></span>r </td><td class=\"t m0 x855 h38 y2ac0 ff2 fs19 fc3 sc0 lse4 wsdd\">undiscounted<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x856 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>t of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x857 h38 y2ac0 ff2 fs19 fc3 sc0 lsd0 wsc7\">Carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x858 h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x859 h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">1 yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85a h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d 5 yea<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6cc h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">5 yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x7d4 h38 y2ac1 ff2 fs19 fc3 sc0 lscf wsc6\">cash flo<span class=\"_ _1\"></span>ws<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x561 h38 y2ac1 ff11 fs19 fc3 sc0 lse4 wsdd\">discounting\u200a</td><td class=\"t m0 x85b h38 y2ac1 ff2 fs19 fc3 sc0 ls3e ws3f\">amou<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h38 y2ac2 ff6 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85c h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85d h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ed h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a5 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2ac3 ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2949 w46e h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">paya<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x85e y294a w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x85f y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x860 y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x861 y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x862 y294a w46f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x863 y294a w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>8.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y294b wd0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x864 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x865 y294c w470 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>1.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x866 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x633 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x867 y294c w3f0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x868 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56d y294c w471 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ac4 ff4 fs6 fc5 sc0 ls2 ws2\">Loan re<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2a65 w472 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">liability</div><div class=\"t m0 x869 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86a y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86b y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86c y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86d y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86e y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86f y27e7 w28 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x870 y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f wd8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x871 y2aa1 w473 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x872 y2aa1 w474 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x873 y2aa1 w1f9 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x874 y2aa1 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x875 y2aa1 w475 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>9.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x876 y2aa1 w476 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x877 y2aa1 w3bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x878 y27eb w477 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls8b ws87\">(8.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x879 y27eb w478 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf8 wsf1\">(10<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87a y27eb w479 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87b y27eb w1c h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87c y27eb w47a h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf5 wsee\">(119<span class=\"_ _0\"></span>.5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87d y27eb w476 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87e y27eb w47b h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w47c hc5\" id=\"_67c3eb15-9414-4272-908a-38a7ce2e0dcc\"><tr><td></td><td></td><td class=\"t m0 x87f h35 y2ac5 ff4 fs19 fc5 sc0 lscf wsc6\">Between<span class=\"_ _2d6\"> </span></td><td></td><td></td><td class=\"t m0 x253 h35 y2ac5 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x858 h35 y2ac6 ff4 fs19 fc5 sc0 lsf1 wsea\">Less than<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x880 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nth<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e4 h35 y2ac6 ff4 fs19 fc5 sc0 lscf wsc6\">Between<span class=\"_ _1\"></span> 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x854 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">Ove<span class=\"_ _0\"></span>r </td><td class=\"t m0 x881 h35 y2ac6 ff4 fs19 fc5 sc0 lse4 wsdd\">undiscount<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x7d9 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x882 h35 y2ac6 ff4 fs19 fc5 sc0 lsd0 wsc7\">Carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x858 h35 y2ac7 ff4 fs19 fc5 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nth<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x859 h35 y2ac7 ff4 fs19 fc5 sc0 ls2 ws2\">1 yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x883 h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">and 5<span class=\"_ _1\"></span> years<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x884 h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">5 y<span class=\"_ _1\"></span>ears<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x885 h35 y2ac7 ff4 fs19 fc5 sc0 lse5 wsde\">cash<span class=\"_ _1\"></span> flows<span class=\"_ _2d6\"> </span></td><td class=\"c x887 y2ac8 w47d h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">discounting</div><div class=\"t m0 x886 h2b y291a ff4 fs17 fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x7de h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h35 y2ac9 ff4 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x888 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85d h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ed h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ee h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2aca ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2936 w46e h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">paya<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x889 y2936 w47e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88a y2936 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88b y2936 w47f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a8 y2936 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88c y2936 w480 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f8 y2936 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x209 y2936 w481 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2acb wd0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x864 y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88d y2acb w237 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">(54.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88e y2acb w482 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88f y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x890 y2acb w3bd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x891 y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x892 y2acb w15d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2acc ff4 fs6 fc5 sc0 ls2 ws2\">Loan re<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y288f w472 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">liability</div><div class=\"t m0 x869 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x893 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x894 y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x895 y288f w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x896 y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x897 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x898 y288f w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x899 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 wd8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89a y2830 w483 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89b y2830 w484 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89c y2830 w485 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89d y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89e y2830 w486 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">(<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89f y2830 w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a0 y2830 w3c0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">(12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x8a1 y27eb w487 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a2 y27eb w488 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(60<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a3 y27eb w489 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a4 y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a5 y27eb w48a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>10<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a6 y27eb w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a7 y27eb w48b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>4.6)<span class=\"_ _2d6\"> </span></div></td></tr></table>1.<span class=\"_ _1\"></span> <span class=\"_ _1f\"> </span>Financial guarant<span class=\"_ _1\"></span>ees pro<span class=\"_ _1\"></span>vided for<span class=\"_ _1\"></span> in the loan<span class=\"_ _1\"></span> repurchase<span class=\"_ _1\"></span> liability are allocat<span class=\"_ _1\"></span>ed to<span class=\"_ _1\"></span> the earliest<span class=\"_ _1\"></span> period in w<span class=\"_ _1\"></span>hich the guaran<span class=\"_ _1\"></span>tee could<span class=\"_ _1\"></span> possibly be<span class=\"_ _1\"></span> called.<span class=\"_ _2d6\"> </span>Ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>e drawn b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e on a c<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ted le<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ing fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y i<span class=\"_ _0\"></span>n the Fl<span class=\"_ _0\"></span>exiPay wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e of \u00a3101.9 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (202<span class=\"_ _1\"></span>3: \u00a354<span class=\"_ _0\"></span>.7 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) at a fl<span class=\"_ _0\"></span>oati<span class=\"_ _0\"></span>ng rate of intere<span class=\"_ _0\"></span>st bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A pl<span class=\"_ _0\"></span>us a ma<span class=\"_ _0\"></span>rgi<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>ey previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly a<span class=\"_ _0\"></span>lso c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d of draw<span class=\"_ _0\"></span>n amo<span class=\"_ _0\"></span>unts i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>S of $2.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n in 2023 on th<span class=\"_ _0\"></span>e PPP Li<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ty Faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty avai<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e from t<span class=\"_ _0\"></span>he Fe<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>al Re<span class=\"_ _0\"></span>ser<span class=\"_ _2\"></span>ve Bank at a fixe<span class=\"_ _0\"></span>d interes<span class=\"_ _0\"></span>t rate of 0.35%.<span class=\"_ _2d6\"> </span>Marke<span class=\"_ _1\"></span>t risk<span class=\"_ _2d6\"> </span>Ma<span class=\"_ _0\"></span>rket ris<span class=\"_ _0\"></span>k is th<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk th<span class=\"_ _0\"></span>at the fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of a fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent wi<span class=\"_ _0\"></span>ll f<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ctuate be<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>use of c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>s in ma<span class=\"_ _0\"></span>rket pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ma<span class=\"_ _0\"></span>rket ri<span class=\"_ _0\"></span>sk ar<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>es fro<span class=\"_ _0\"></span>m op<span class=\"_ _0\"></span>en po<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s in i<span class=\"_ _0\"></span>nterest-bea<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es, to the extent th<span class=\"_ _0\"></span>at the<span class=\"_ _0\"></span>se are exp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d to gen<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic ma<span class=\"_ _0\"></span>rket movem<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>. a) Othe<span class=\"_ _0\"></span>r p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk<span class=\"_ _2d6\"> </span>The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>n fl<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>ate dep<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g on ma<span class=\"_ _0\"></span>rket pr<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ng of re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve interest r<span class=\"_ _0\"></span>ates and c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ri<span class=\"_ _0\"></span>sk<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>is is ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cted in t<span class=\"_ _0\"></span>he di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt rate us<span class=\"_ _0\"></span>ed to de<span class=\"_ _0\"></span>rive a va<span class=\"_ _0\"></span>luat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for the lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets. T<span class=\"_ _0\"></span>he di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt r<span class=\"_ _0\"></span>ates use<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets me<span class=\"_ _0\"></span>asur<span class=\"_ _0\"></span>ed at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s are not co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be a m<span class=\"_ _0\"></span>ateria<span class=\"_ _0\"></span>l so<span class=\"_ _0\"></span>urce of e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on un<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>nty a<span class=\"_ _0\"></span>nd a s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is has n<span class=\"_ _0\"></span>ot be<span class=\"_ _0\"></span>en d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>los<span class=\"_ _0\"></span>ed.<span class=\"_ _2d6\"> </span>b) Intere<span class=\"_ _0\"></span>st r<span class=\"_ _0\"></span>ate ri<span class=\"_ _0\"></span>sk<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is expo<span class=\"_ _0\"></span>sed to i<span class=\"_ _0\"></span>nterest rate r<span class=\"_ _0\"></span>isk i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh d<span class=\"_ _0\"></span>rawn c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>ted b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>g fac<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s and o<span class=\"_ _0\"></span>n f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>. Non-t<span class=\"_ _1\"></span>rading int<span class=\"_ _1\"></span>erest rat<span class=\"_ _1\"></span>e risk<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>isk o<span class=\"_ _0\"></span>n f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>s li<span class=\"_ _0\"></span>mited to intere<span class=\"_ _0\"></span>st re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e on l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n note investm<span class=\"_ _0\"></span>ents, c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h and cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nt ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ces a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest o<span class=\"_ _0\"></span>n bo<span class=\"_ _0\"></span>nds a<span class=\"_ _0\"></span>nd b<span class=\"_ _0\"></span>ank b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>. The m<span class=\"_ _0\"></span>atur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es of f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to interest r<span class=\"_ _0\"></span>ate risk a<span class=\"_ _0\"></span>re as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w48c hc6\" id=\"_53e00aa9-d717-47a7-ab62-7f12df2b4a20\"><tr><td></td><td class=\"c n x8a8 y2acd w48d h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Les<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>an 3 m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ths<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td class=\"c n x8a9 y2acd w48e h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">B<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n 3 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs a<span class=\"_ _0\"></span>nd 1 ye<span class=\"_ _0\"></span>ar<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8aa y2acd w48f h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Bet<span class=\"_ _0\"></span>we<span class=\"_ _0\"></span>en 1 a<span class=\"_ _0\"></span>nd 5 y<span class=\"_ _0\"></span>ea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8ab h38 y2ace ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ac h35 y2ace ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4f6 h38 y2ace ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x839 h35 y2ace ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1bd h38 y2ace ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2ace ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2acf ff4 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ad h38 y2acf ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2b4 h35 y2acf ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ae h38 y2acf ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x732 h35 y2acf ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h38 y2acf ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2acf ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2ad0 ff6 fs6 fc5 sc0 lsf8 wsf1\">Fi<span class=\"_ _0\"></span>xed r<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>te<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2887 w490 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8af y2888 w1f0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89c y2887 w396 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b0 y2888 wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b1 y2887 w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b2 y2888 w360 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b3 y2887 w272 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2ad1 w3aa h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">co-i<span class=\"_ _0\"></span>nv<span class=\"_ _1\"></span>estments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b4 y2ad2 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b5 y2ad1 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b6 y2ad2 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b7 y2ad1 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b8 y2ad2 wad h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5da y2ad1 w3c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">25<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2ad3 wbd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b9 y2ad4 w491 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">49<span class=\"_ _1\"></span>.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ba y2ad3 w492 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5<span class=\"_ _0\"></span>0.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8bb y2ad4 w493 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">4<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8bc y2ad3 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8bd y2ad4 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8be y2ad3 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2ad5 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2903 w494 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">and loss</div><div class=\"t m0 x8bf h3b y2a0a ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2904 wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c1 y2903 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c2 y2904 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c3 y2903 w495 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">13.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c4 y2904 w161 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c5 y2903 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2905 w496 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings</div><div class=\"t m0 x8c6 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c7 y2906 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c8 y2905 w1c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c9 y2906 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ca y2905 w1c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cb y2906 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cc y2905 w497 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y2ad6 ff6 fs6 fc5 sc0 lsff wsf8\">Floati<span class=\"_ _0\"></span>ng rate<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27e7 wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cd y27e8 wc5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ce y27e7 w498 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">221.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cf y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d0 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d1 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d2 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2830 w496 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings</div><div class=\"t m0 x8c6 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c7 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c8 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d3 y282f w3f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d4 y2830 w499 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">(54.<span class=\"_ _1\"></span>7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d5 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d6 y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x8d7 y27ec w49a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">238.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d8 y27eb w49b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d9 y27ec w49c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">(54.5<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8da y27eb w49d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(40.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8db y27ec w49e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8dc y27eb w49f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32<span class=\"_ _0\"></span>.5<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Th<span class=\"_ _0\"></span>e SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns h<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t fai<span class=\"_ _0\"></span>r va<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ue t<span class=\"_ _0\"></span>hr<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s ar<span class=\"_ _0\"></span>e cl<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t on t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>et, r<span class=\"_ _0\"></span>ef<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>t th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>d to se<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>l. T<span class=\"_ _0\"></span>he a<span class=\"_ _0\"></span>bov<span class=\"_ _0\"></span>e ta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e represen<span class=\"_ _1\"></span>ts the<span class=\"_ _1\"></span> contractual ma<span class=\"_ _1\"></span>turities.<span class=\"_ _2d6\"> </span>2.   <span class=\"_ _b\"></span>I<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ve yea<span class=\"_ _0\"></span>r e<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed 31 D<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>r 2023<span class=\"_ _0\"></span>, th<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ixe<span class=\"_ _0\"></span>d ra<span class=\"_ _0\"></span>te ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>owi<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>gs a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>d at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d c<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>t in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>\u2019s dr<span class=\"_ _0\"></span>aw<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g of th<span class=\"_ _0\"></span>e PP<span class=\"_ _0\"></span>P Li<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ty Fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e US i<span class=\"_ _0\"></span>n or<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r to f<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>d PP<span class=\"_ _0\"></span>P lo<span class=\"_ _0\"></span>an o<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>e we<span class=\"_ _0\"></span>re c<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>d as n<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-c<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t on t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>t, a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>he a<span class=\"_ _0\"></span>bo<span class=\"_ _0\"></span>ve ta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e re<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>nts t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>l ma<span class=\"_ _0\"></span>tu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>, al<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h th<span class=\"_ _0\"></span>e PP<span class=\"_ _0\"></span>P lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ld h<span class=\"_ _0\"></span>ave b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n fo<span class=\"_ _0\"></span>rg<span class=\"_ _0\"></span>ive<span class=\"_ _0\"></span>n by t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>BA a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>d li<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y co<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d ha<span class=\"_ _0\"></span>ve be<span class=\"_ _0\"></span>en r<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>id f<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>ds w<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>in 12 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs of t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>et da<span class=\"_ _0\"></span>te. T<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>oat<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ate b<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>k b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>row<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>s re<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t th<span class=\"_ _0\"></span>e fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y in t<span class=\"_ _0\"></span>he F<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>xi<span class=\"_ _0\"></span>Pay w<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>se u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d to o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ate l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>s of cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The<span class=\"_ _0\"></span>re are n<span class=\"_ _0\"></span>o fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies w<span class=\"_ _0\"></span>ith a matu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty of over f<span class=\"_ _0\"></span>ive yea<span class=\"_ _0\"></span>rs.<span class=\"_ _2d6\"> </span>Int<span class=\"_ _1\"></span>erest rat<span class=\"_ _1\"></span>e risk s<span class=\"_ _1\"></span>ensitivity analy<span class=\"_ _1\"></span>sis \u2013<span class=\"_ _1\"></span> non-trading<span class=\"_ _1\"></span> intere<span class=\"_ _1\"></span>st (fix<span class=\"_ _1\"></span>ed rat<span class=\"_ _1\"></span>e)<span class=\"_ _2d6\"> </span>Interes<span class=\"_ _0\"></span>t on S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d on th<span class=\"_ _0\"></span>e PPPLF b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs (i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e US) was f<span class=\"_ _0\"></span>ixed unt<span class=\"_ _0\"></span>il th<span class=\"_ _0\"></span>e matur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d is n<span class=\"_ _0\"></span>ot im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>ted by mar<span class=\"_ _0\"></span>ket rate chan<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s. A<span class=\"_ _0\"></span>ll re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>g US b<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ies we<span class=\"_ _0\"></span>re repa<span class=\"_ _0\"></span>id du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he year to 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023 and a<span class=\"_ _0\"></span>ll ot<span class=\"_ _0\"></span>her U<span class=\"_ _0\"></span>S SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets s<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024. The level of f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re interes<span class=\"_ _0\"></span>t rate rece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le woul<span class=\"_ _0\"></span>d be s<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ila<span class=\"_ _0\"></span>r to that re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>ved in t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r and t<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct of movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n interes<span class=\"_ _0\"></span>t rates on t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>ue of t<span class=\"_ _0\"></span>he as<span class=\"_ _0\"></span>sets is con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>materi<span class=\"_ _0\"></span>al to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s overal<span class=\"_ _0\"></span>l pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Int<span class=\"_ _1\"></span>erest rat<span class=\"_ _1\"></span>e risk s<span class=\"_ _1\"></span>ensitivity analy<span class=\"_ _1\"></span>sis \u2013<span class=\"_ _1\"></span> non-trading<span class=\"_ _1\"></span> intere<span class=\"_ _1\"></span>st (floa<span class=\"_ _1\"></span>ting rat<span class=\"_ _1\"></span>e)<span class=\"_ _2d6\"> </span>Interes<span class=\"_ _0\"></span>t on c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es is s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n bas<span class=\"_ _0\"></span>e rates. T<span class=\"_ _0\"></span>he D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tors m<span class=\"_ _0\"></span>oni<span class=\"_ _0\"></span>tor intere<span class=\"_ _0\"></span>st rate ris<span class=\"_ _0\"></span>k an<span class=\"_ _0\"></span>d note that b<span class=\"_ _0\"></span>ase r<span class=\"_ _0\"></span>ates are anti<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pated to dec<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in t<span class=\"_ _0\"></span>he ne<span class=\"_ _0\"></span>ar ter<span class=\"_ _0\"></span>m. A 10<span class=\"_ _0\"></span>0b<span class=\"_ _0\"></span>ps de<span class=\"_ _0\"></span>cre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n ann<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed interes<span class=\"_ _0\"></span>t rates ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d to cash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>es FC ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>s in intere<span class=\"_ _0\"></span>st b<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 would<span class=\"_ _1\"></span> decrease in<span class=\"_ _1\"></span>tere<span class=\"_ _1\"></span>st income b<span class=\"_ _1\"></span>y \u00a35<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>1 million.<span class=\"_ _2d6\"> </span>Interes<span class=\"_ _0\"></span>t on b<span class=\"_ _0\"></span>ank b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs re<span class=\"_ _0\"></span>lated to th<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t are su<span class=\"_ _0\"></span>bj<span class=\"_ _0\"></span>ect to movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n the S<span class=\"_ _0\"></span>ter<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>g Over<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ght In<span class=\"_ _0\"></span>dex Av<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge Rate (\u201c<span class=\"_ _0\"></span>S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA\u201d). The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y protec<span class=\"_ _0\"></span>ted its<span class=\"_ _0\"></span>elf t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh t<span class=\"_ _0\"></span>he us<span class=\"_ _0\"></span>e of an i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate cap wi<span class=\"_ _0\"></span>th a str<span class=\"_ _0\"></span>ike pr<span class=\"_ _0\"></span>ice of 6<span class=\"_ _0\"></span>.5% and a n<span class=\"_ _0\"></span>otio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l amo<span class=\"_ _0\"></span>unt th<span class=\"_ _0\"></span>at in<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n lin<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>th the p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d drawdow<span class=\"_ _0\"></span>ns on t<span class=\"_ _0\"></span>he se<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>or b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>g faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty. The fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e of the i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate cap i<span class=\"_ _0\"></span>s not mater<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l to the G<span class=\"_ _0\"></span>roup.<span class=\"_ _2d6\"> </span>If SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A were to in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se by 10<span class=\"_ _0\"></span>0 bps<span class=\"_ _0\"></span>, base<span class=\"_ _0\"></span>d on t<span class=\"_ _0\"></span>he dr<span class=\"_ _0\"></span>awn ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, the a<span class=\"_ _0\"></span>nnu<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st expen<span class=\"_ _0\"></span>se rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>osts wo<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e by \u00a31.0 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a30.5 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) (in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng any i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct of th<span class=\"_ _0\"></span>e interes<span class=\"_ _0\"></span>t rate ca<span class=\"_ _0\"></span>p)<span class=\"_ _1\"></span>. Add<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, whi<span class=\"_ _0\"></span>le t<span class=\"_ _0\"></span>he fees c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d on Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>re fi<span class=\"_ _0\"></span>xed for th<span class=\"_ _0\"></span>e dur<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of in<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>dua<span class=\"_ _0\"></span>l drawdow<span class=\"_ _0\"></span>ns, du<span class=\"_ _0\"></span>e to the sh<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _1\"></span>-term a<span class=\"_ _0\"></span>nd revol<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ng natu<span class=\"_ _0\"></span>re of the p<span class=\"_ _0\"></span>rod<span class=\"_ _0\"></span>uct, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ca<span class=\"_ _0\"></span>n repr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e the fe<span class=\"_ _0\"></span>es ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n drawdow<span class=\"_ _0\"></span>ns at sh<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t n<span class=\"_ _0\"></span>otic<span class=\"_ _0\"></span>e in o<span class=\"_ _0\"></span>rder to ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>ge intere<span class=\"_ _0\"></span>st rate ri<span class=\"_ _0\"></span>sk of th<span class=\"_ _0\"></span>e fl<span class=\"_ _0\"></span>oati<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ate bor<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>. Interes<span class=\"_ _0\"></span>t cha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d on Cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ca<span class=\"_ _0\"></span>rd ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s outs<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g is re<span class=\"_ _0\"></span>gul<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ly u<span class=\"_ _0\"></span>pdated to a<span class=\"_ _0\"></span>lig<span class=\"_ _0\"></span>n wit<span class=\"_ _0\"></span>h prevai<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng ma<span class=\"_ _0\"></span>rket rates of i<span class=\"_ _0\"></span>nterest a<span class=\"_ _0\"></span>nd are als<span class=\"_ _0\"></span>o sh<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t-term in n<span class=\"_ _0\"></span>ature. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s not co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>nterest rate r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>So<span class=\"_ _0\"></span>me of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s investm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>sts are t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h wareh<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>se vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ere t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup i<span class=\"_ _0\"></span>s a mi<span class=\"_ _0\"></span>nor<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nvestor<span class=\"_ _1\"></span>. The s<span class=\"_ _0\"></span>eni<span class=\"_ _0\"></span>or b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ng fac<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es ut<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>ese ve<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s rece<span class=\"_ _0\"></span>ive intere<span class=\"_ _0\"></span>st on b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs i<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y to paym<span class=\"_ _0\"></span>ents to the eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y investo<span class=\"_ _0\"></span>rs at SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A pl<span class=\"_ _0\"></span>us a ma<span class=\"_ _0\"></span>rgi<span class=\"_ _0\"></span>n. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se in S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA s<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ce th<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>epti<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e vehic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s, the i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>d bo<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>owin<span class=\"_ _0\"></span>g cost<span class=\"_ _0\"></span>s have redu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d the exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h retur<span class=\"_ _0\"></span>ns to the e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nvestors of t<span class=\"_ _0\"></span>he invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt hel<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he st<span class=\"_ _0\"></span>atement of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inco<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>. Som<span class=\"_ _0\"></span>e, bu<span class=\"_ _0\"></span>t not al<span class=\"_ _0\"></span>l of the ve<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s, ha<span class=\"_ _0\"></span>d interest r<span class=\"_ _0\"></span>ate cap<span class=\"_ _0\"></span>s or i<span class=\"_ _0\"></span>nterest rate swa<span class=\"_ _0\"></span>ps wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the<span class=\"_ _0\"></span>ir str<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>res wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h ca<span class=\"_ _0\"></span>n mit<span class=\"_ _0\"></span>igate th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of futu<span class=\"_ _0\"></span>re rate ris<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng lever<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ed wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e vehi<span class=\"_ _0\"></span>cle<span class=\"_ _0\"></span>s, wh<span class=\"_ _0\"></span>ich previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly di<span class=\"_ _0\"></span>d not h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d he<span class=\"_ _0\"></span>dgi<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents, e<span class=\"_ _0\"></span>ntered i<span class=\"_ _0\"></span>nto cap o<span class=\"_ _0\"></span>r swap a<span class=\"_ _0\"></span>gre<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ents du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 and<span class=\"_ _0\"></span> 2023.<span class=\"_ _2d6\"> </span>The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>re no l<span class=\"_ _0\"></span>ong<span class=\"_ _0\"></span>er c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to b<span class=\"_ _0\"></span>e sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ive to fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>s in SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A o<span class=\"_ _0\"></span>r the p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ected S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA r<span class=\"_ _0\"></span>ates as a resu<span class=\"_ _0\"></span>lt of h<span class=\"_ _0\"></span>edg<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g in p<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e.<span class=\"_ _2d6\"> </span>c<span class=\"_ _1\"></span>) Sensitivity analysis<span class=\"_ _2d6\"> </span>IFR<span class=\"_ _0\"></span>S 7 requ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>s dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>osur<span class=\"_ _0\"></span>e of sens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ysis for e<span class=\"_ _0\"></span>ach t<span class=\"_ _0\"></span>yp<span class=\"_ _0\"></span>e of ma<span class=\"_ _0\"></span>rket ris<span class=\"_ _0\"></span>k to whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s expos<span class=\"_ _0\"></span>ed at th<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t date show<span class=\"_ _0\"></span>ing h<span class=\"_ _0\"></span>ow prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y wou<span class=\"_ _0\"></span>ld h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n affe<span class=\"_ _0\"></span>cted by ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the re<span class=\"_ _0\"></span>leva<span class=\"_ _0\"></span>nt ris<span class=\"_ _0\"></span>k var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>les t<span class=\"_ _0\"></span>hat were reaso<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>bly p<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le at th<span class=\"_ _0\"></span>at date. As di<span class=\"_ _0\"></span>scu<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d ab<span class=\"_ _0\"></span>ove, the Gr<span class=\"_ _0\"></span>oup d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot have sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to pri<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>r cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ow ri<span class=\"_ _0\"></span>sk an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>refore no sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ty a<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ysis for t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ris<span class=\"_ _0\"></span>ks has b<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>d) Fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n excha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated inter<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>lly a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>s expos<span class=\"_ _0\"></span>ed to forei<span class=\"_ _0\"></span>gn excha<span class=\"_ _0\"></span>nge r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng fro<span class=\"_ _0\"></span>m var<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>us cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy expo<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>s, pr<span class=\"_ _0\"></span>ima<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ly wi<span class=\"_ _0\"></span>th res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct to the US d<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, the U<span class=\"_ _0\"></span>K po<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>d sterl<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d the e<span class=\"_ _0\"></span>uro. Fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge r<span class=\"_ _0\"></span>isk a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ses fr<span class=\"_ _0\"></span>om fu<span class=\"_ _0\"></span>ture commercial<span class=\"_ _1\"></span> transactions,<span class=\"_ _1\"></span> recognised a<span class=\"_ _1\"></span>ssets and<span class=\"_ _1\"></span> liabilities and<span class=\"_ _1\"></span> net in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>ts in f<span class=\"_ _1\"></span>oreign opera<span class=\"_ _1\"></span>tions.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>icy is<span class=\"_ _0\"></span>, whe<span class=\"_ _0\"></span>re pos<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e, to allow G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s to sett<span class=\"_ _0\"></span>le l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s den<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>inate<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>eir f<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h ge<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>ated fro<span class=\"_ _0\"></span>m the<span class=\"_ _0\"></span>ir own o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons i<span class=\"_ _0\"></span>n that c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy<span class=\"_ _1\"></span>. W<span class=\"_ _0\"></span>here G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es have li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies den<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>inated i<span class=\"_ _0\"></span>n a cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy oth<span class=\"_ _0\"></span>er t<span class=\"_ _0\"></span>han t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r fun<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy (and h<span class=\"_ _0\"></span>ave insu<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>nt rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ves of that c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy to sett<span class=\"_ _0\"></span>le the<span class=\"_ _0\"></span>m)<span class=\"_ _1\"></span>, c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>lre<span class=\"_ _0\"></span>ady de<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>nated in t<span class=\"_ _0\"></span>hat cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy w<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>, whe<span class=\"_ _0\"></span>re pos<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e, be tr<span class=\"_ _0\"></span>ansfe<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d from e<span class=\"_ _0\"></span>lsew<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span>Ap<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t fr<span class=\"_ _0\"></span>om th<span class=\"_ _0\"></span>ese p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>icu<span class=\"_ _0\"></span>lar c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ai<span class=\"_ _0\"></span>ms to fun<span class=\"_ _0\"></span>d expe<span class=\"_ _0\"></span>nses a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in t<span class=\"_ _0\"></span>he res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy and to ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>ge fore<span class=\"_ _0\"></span>ign exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk at a l<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>al leve<span class=\"_ _0\"></span>l by matchi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy in w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me is g<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>erated a<span class=\"_ _0\"></span>nd expen<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ha<span class=\"_ _0\"></span>d cer<span class=\"_ _2\"></span>tain invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in fore<span class=\"_ _0\"></span>ign o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>, who<span class=\"_ _0\"></span>se net as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>re expos<span class=\"_ _0\"></span>ed to forei<span class=\"_ _0\"></span>gn c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rency translat<span class=\"_ _1\"></span>ion risk.<span class=\"_ _2d6\"> </span>The t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>low s<span class=\"_ _0\"></span>ets ou<span class=\"_ _0\"></span>t the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>res fro<span class=\"_ _0\"></span>m fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>ld by G<span class=\"_ _0\"></span>roup c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>nies in curr<span class=\"_ _1\"></span>encies other<span class=\"_ _1\"></span> than their<span class=\"_ _1\"></span> functional curr<span class=\"_ _1\"></span>encies and r<span class=\"_ _1\"></span>esulting in e<span class=\"_ _1\"></span>xchange<span class=\"_ _1\"></span> mov<span class=\"_ _1\"></span>ements in<span class=\"_ _1\"></span> the income st<span class=\"_ _1\"></span>atemen<span class=\"_ _1\"></span>t and balance sheet.<span class=\"_ _2d6\"> </span><table class=\"s w4a0 hc7\" id=\"_ab7a6c42-a647-4129-966b-0d8fa348c227\"><tr><td></td><td></td><td class=\"c n x8dd y2ad7 w3a3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2<span class=\"_ _0\"></span>024<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x8de y2ad7 w4a1 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2<span class=\"_ _0\"></span>023<span class=\"_ _2d6\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x8df h38 y2ad8 ff2 fs19 fc3 sc0 lse5 wsde\">USD<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e0 h38 y2ad8 ff2 fs19 fc3 sc0 ls148 ws143\">GBP<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x796 h38 y2ad8 ff2 fs19 fc3 sc0 ls13c ws136\">EUR<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x794 h38 y2ad8 ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e1 h35 y2ad8 ff4 fs19 fc5 sc0 ls101 wsfa\">USD<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2ac h35 y2ad8 ff4 fs19 fc5 sc0 ls144 ws13f\">GBP<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e2 h35 y2ad8 ff4 fs19 fc5 sc0 ls152 ws150\">EUR<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2ad8 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x8e3 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e4 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x741 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x795 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x743 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x744 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y2ada ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2adb w4a2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsc wsb\">equivalen<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e5 y2adc w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e6 y2adc w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e7 y2adc w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e8 y2adc w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e9 y2adb w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ea y2adb w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8eb y2adb w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ec y2adb w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2add w4a3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Intr<span class=\"_ _0\"></span>a-<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p as<span class=\"_ _0\"></span>sets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ed y2ade w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ee y2ade w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ef y2ade wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f0 y2ade wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f1 y2add w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f2 y2add w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f3 y2add w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d2 y2add w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2adf ff4 fs6 fc5 sc0 ls2 ws2\">Intr<span class=\"_ _0\"></span>a-<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27eb w4a4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">liabilitie<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f4 y27ec w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ee y27ec w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f5 y27ec w68 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f6 y27ec w3d h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0<span class=\"_ _0\"></span>.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f7 y27eb w2e2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f8 y27eb w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f9 y27eb wcf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8fa y27eb w4a5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(45<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr></table>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sed t<span class=\"_ _0\"></span>he se<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>tiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to a 10% dep<span class=\"_ _0\"></span>reci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d 10% ap<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ciat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n in p<span class=\"_ _0\"></span>oun<span class=\"_ _0\"></span>d ster<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst th<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>evant forei<span class=\"_ _0\"></span>gn cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>es. W<span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>e 5% is the se<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>tiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y rate use<span class=\"_ _0\"></span>d wh<span class=\"_ _0\"></span>en rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting fore<span class=\"_ _0\"></span>ign c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy ris<span class=\"_ _0\"></span>k inter<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly to se<span class=\"_ _0\"></span>nio<span class=\"_ _0\"></span>r management<span class=\"_ _1\"></span> personnel, in li<span class=\"_ _1\"></span>ght of<span class=\"_ _1\"></span> recent fluc<span class=\"_ _1\"></span>tuations<span class=\"_ _1\"></span> in for<span class=\"_ _1\"></span>eign ex<span class=\"_ _1\"></span>change ra<span class=\"_ _1\"></span>tes,<span class=\"_ _1\"></span> 10% r<span class=\"_ _1\"></span>epresents<span class=\"_ _1\"></span> management\u2019s cur<span class=\"_ _0\"></span>rent a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>ssm<span class=\"_ _0\"></span>ent of a re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly po<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge rates<span class=\"_ _0\"></span>. The s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is to the i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ome statem<span class=\"_ _0\"></span>ent in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s on<span class=\"_ _0\"></span>ly ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy-<span class=\"_ _0\"></span>den<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>inated m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>etar<span class=\"_ _0\"></span>y i<span class=\"_ _0\"></span>tems an<span class=\"_ _0\"></span>d ad<span class=\"_ _0\"></span>jus<span class=\"_ _0\"></span>ts the<span class=\"_ _0\"></span>ir t<span class=\"_ _0\"></span>rans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion at the yea<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>d for a 10% ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n cu<span class=\"_ _0\"></span>rren<span class=\"_ _0\"></span>cy rates<span class=\"_ _0\"></span>. The s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is il<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>strates t<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct on t<span class=\"_ _0\"></span>he fore<span class=\"_ _0\"></span>ign cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e retra<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on of qu<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y lo<span class=\"_ _0\"></span>ans to fore<span class=\"_ _0\"></span>ign o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd net i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>itiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to flu<span class=\"_ _0\"></span>ctu<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>s is rel<span class=\"_ _0\"></span>ated to the US d<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r and e<span class=\"_ _0\"></span>uro a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts he<span class=\"_ _0\"></span>ld i<span class=\"_ _0\"></span>n the Pare<span class=\"_ _0\"></span>nt Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _1\"></span>. Th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of a 10% cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e in fore<span class=\"_ _0\"></span>ign c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy rates is as fo<span class=\"_ _0\"></span>llows<span class=\"_ _0\"></span>:<span class=\"_ _2d6\"> </span><table class=\"s w28a hc8\" id=\"_3d296cc6-4954-4428-8287-79267c336dbe\"><tr><td></td><td></td><td></td><td class=\"c n x8fb y2ae0 w4a6 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lscf wsc6\">Apprecia<span class=\"_ _1\"></span>tion in poun<span class=\"_ _1\"></span>d sterling<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x8fc y2ae0 w4a7 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Deprecia<span class=\"_ _1\"></span>tion in po<span class=\"_ _1\"></span>und sterling<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8fd h38 y2ae1 ff2 fs19 fc3 sc0 lsd9 wsd0\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x374 h35 y2ae1 ff4 fs19 fc5 sc0 lscf wsc6\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x73c h38 y2ae1 ff2 fs19 fc3 sc0 lsd9 wsd0\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x1bd h35 y2ae1 ff4 fs19 fc5 sc0 lscf wsc6\">Income<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x8fe h38 y2ae2 ff2 fs19 fc3 sc0 ls120 ws118\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ff h38 y2ae2 ff2 fs19 fc3 sc0 ls3e ws3f\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x900 h35 y2ae2 ff4 fs19 fc5 sc0 lsd1 wsc8\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73b h35 y2ae2 ff4 fs19 fc5 sc0 ls10b ws104\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x901 h38 y2ae2 ff2 fs19 fc3 sc0 ls120 ws118\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x902 h38 y2ae2 ff2 fs19 fc3 sc0 ls3e ws3f\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x903 h35 y2ae2 ff4 fs19 fc5 sc0 lsd1 wsc8\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d h35 y2ae2 ff4 fs19 fc5 sc0 ls10b ws104\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x904 h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x905 h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x375 h35 y2ae3 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x794 h35 y2ae3 ff4 fs19 fc5 sc0 lsf0 wse9\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2ab h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83c h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h35 y2ae3 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2ae3 ff4 fs19 fc5 sc0 lsf0 wse9\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2ae4 ff4 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e3 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e4 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x741 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x795 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x743 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x744 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e7 w4a8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">US dollars<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x906 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x907 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x908 y27e7 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x909 y27e7 w1f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90a y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90b y27e8 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90c y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x614 y27e7 w4a9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">3.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w4aa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb5 wsb1\">Eur<span class=\"_ _0\"></span>os<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90d y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90e y282f w47f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90f y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x910 y2830 w18e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x911 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x912 y282f w4ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x913 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x914 y2830 w339 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x915 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x916 y27ec w1e0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x917 y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x918 y27eb w4ac h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x919 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91a y27ec w4ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91b y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91c y27eb w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td></tr></table>Impairment<span class=\"_ _1\"></span> of net<span class=\"_ _1\"></span> inv<span class=\"_ _1\"></span>estment in<span class=\"_ _1\"></span> subleases:<span class=\"_ _1\"></span> Ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n ri<span class=\"_ _0\"></span>ght-of-us<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets rel<span class=\"_ _0\"></span>ated to the US S<span class=\"_ _0\"></span>an Fra<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>sco of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e were su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>et und<span class=\"_ _0\"></span>er a f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g sub<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>ase a<span class=\"_ _0\"></span>nd were rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted as net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in s<span class=\"_ _0\"></span>ub<span class=\"_ _0\"></span>leas<span class=\"_ _0\"></span>es wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n oth<span class=\"_ _0\"></span>er rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es. D<span class=\"_ _0\"></span>ue to a re<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n in ma<span class=\"_ _0\"></span>rket val<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>s sin<span class=\"_ _0\"></span>ce inc<span class=\"_ _0\"></span>ept<span class=\"_ _0\"></span>ion of t<span class=\"_ _0\"></span>he su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>et, the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows exp<span class=\"_ _0\"></span>ected o<span class=\"_ _0\"></span>n expi<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y of the exi<span class=\"_ _0\"></span>stin<span class=\"_ _0\"></span>g sub<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>et and exp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns of fu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r sub<span class=\"_ _0\"></span>let we<span class=\"_ _0\"></span>re lower a<span class=\"_ _0\"></span>nd as a re<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>lt an i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt of \u00a30.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion w<span class=\"_ _0\"></span>as rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed in t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>r year e<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023.<span class=\"_ _2d6\"> </span>The i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt is di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated st<span class=\"_ _0\"></span>atement of c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>hen<span class=\"_ _0\"></span>sive in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n de<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ciati<span class=\"_ _0\"></span>on, a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on and impairmen<span class=\"_ _1\"></span>t.<span class=\"_ _2d6\"> </span>Capital<span class=\"_ _1\"></span> management<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s its c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l to com<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ise it<span class=\"_ _0\"></span>s ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>, sha<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>miu<span class=\"_ _0\"></span>m, fore<span class=\"_ _0\"></span>ign exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve, sha<span class=\"_ _0\"></span>re opti<span class=\"_ _0\"></span>ons re<span class=\"_ _0\"></span>ser<span class=\"_ _2\"></span>ve and retai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d ear<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>. Qu<span class=\"_ _0\"></span>anti<span class=\"_ _0\"></span>tative det<span class=\"_ _0\"></span>ail i<span class=\"_ _0\"></span>s sh<span class=\"_ _0\"></span>own in t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated st<span class=\"_ _0\"></span>atement of c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>s in e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty.<span class=\"_ _2d6\"> </span>The D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s\u2019 o<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve whe<span class=\"_ _0\"></span>n man<span class=\"_ _0\"></span>agi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l is to safeg<span class=\"_ _0\"></span>uar<span class=\"_ _0\"></span>d the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to conti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>e as a go<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>rn i<span class=\"_ _0\"></span>n ord<span class=\"_ _0\"></span>er to provi<span class=\"_ _0\"></span>de retur<span class=\"_ _0\"></span>ns for t<span class=\"_ _0\"></span>he sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>hol<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>its fo<span class=\"_ _0\"></span>r othe<span class=\"_ _0\"></span>r stake<span class=\"_ _0\"></span>hol<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d to mai<span class=\"_ _0\"></span>ntai<span class=\"_ _0\"></span>n an o<span class=\"_ _0\"></span>ptim<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal str<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>re to redu<span class=\"_ _0\"></span>ce th<span class=\"_ _0\"></span>e cos<span class=\"_ _0\"></span>t of ca<span class=\"_ _0\"></span>pita<span class=\"_ _0\"></span>l.<span class=\"_ _2d6\"> </span>The D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s mon<span class=\"_ _0\"></span>itor a n<span class=\"_ _0\"></span>umb<span class=\"_ _0\"></span>er of K<span class=\"_ _0\"></span>PIs at b<span class=\"_ _0\"></span>oth th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd in<span class=\"_ _0\"></span>div<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>ubsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y l<span class=\"_ _0\"></span>evel on a m<span class=\"_ _0\"></span>onth<span class=\"_ _0\"></span>ly ba<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>. As pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of the b<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>geta<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y pro<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>s, ta<span class=\"_ _0\"></span>rgets a<span class=\"_ _0\"></span>re set w<span class=\"_ _0\"></span>ith res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct to op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ing exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n orde<span class=\"_ _0\"></span>r to effec<span class=\"_ _0\"></span>tivel<span class=\"_ _0\"></span>y ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>e the a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>ies of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rma<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e is reviewe<span class=\"_ _0\"></span>d on a re<span class=\"_ _0\"></span>gu<span class=\"_ _0\"></span>lar b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s and a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ate acti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re taken as r<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>ese i<span class=\"_ _0\"></span>ntern<span class=\"_ _0\"></span>al mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>s ind<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ate the pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce of th<span class=\"_ _0\"></span>e bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>inst b<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>get<span class=\"_ _0\"></span>/fo<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>ast an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>nfi<span class=\"_ _0\"></span>rm w<span class=\"_ _0\"></span>heth<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup h<span class=\"_ _0\"></span>as adequat<span class=\"_ _1\"></span>e res<span class=\"_ _1\"></span>ources t<span class=\"_ _1\"></span>o meet i<span class=\"_ _1\"></span>ts working capit<span class=\"_ _1\"></span>al requiremen<span class=\"_ _1\"></span>ts.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is su<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>ct to exter<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>irem<span class=\"_ _0\"></span>ents by t<span class=\"_ _0\"></span>he Fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l Co<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>uct Au<span class=\"_ _0\"></span>tho<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty b<span class=\"_ _0\"></span>ut th<span class=\"_ _0\"></span>ese a<span class=\"_ _0\"></span>re lowe<span class=\"_ _0\"></span>r than in<span class=\"_ _1\"></span>ternally<span class=\"_ _1\"></span> set requir<span class=\"_ _1\"></span>ements. During<span class=\"_ _1\"></span> the year<span class=\"_ _5\"></span>, the<span class=\"_ _1\"></span> Group complied with<span class=\"_ _1\"></span> all ext<span class=\"_ _1\"></span>ernally imposed r<span class=\"_ _1\"></span>equirements.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-449": {
   "value": "Financial<span class=\"_ _1\"></span> instruments<span class=\"_ _1\"></span> measured a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue IFR<span class=\"_ _0\"></span>S 13 requi<span class=\"_ _0\"></span>res ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>res wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h req<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>e the c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>ssets a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ured at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e usi<span class=\"_ _0\"></span>ng a fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue h<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>rarc<span class=\"_ _0\"></span>hy that ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e sig<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nce of t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts use<span class=\"_ _0\"></span>d in m<span class=\"_ _0\"></span>ak<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue measur<span class=\"_ _1\"></span>ement. Dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re of fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>reme<span class=\"_ _0\"></span>nts by level i<span class=\"_ _0\"></span>s acc<span class=\"_ _0\"></span>ord<span class=\"_ _0\"></span>ing to th<span class=\"_ _0\"></span>e foll<span class=\"_ _0\"></span>owi<span class=\"_ _0\"></span>ng fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent hi<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>archy: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 1 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are qu<span class=\"_ _0\"></span>oted pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>es (una<span class=\"_ _0\"></span>dju<span class=\"_ _0\"></span>sted) in a<span class=\"_ _0\"></span>ctive m<span class=\"_ _0\"></span>arkets for i<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ntic<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e entit<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>an </span></span>access a<span class=\"_ _1\"></span>t the mea<span class=\"_ _1\"></span>surement<span class=\"_ _1\"></span> date<span class=\"_ _1\"></span>; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 2 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts oth<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>an qu<span class=\"_ _0\"></span>oted pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>es in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n level 1 t<span class=\"_ _0\"></span>hat are o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets or </span></span>lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies, e<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>er di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tly o<span class=\"_ _0\"></span>r in<span class=\"_ _0\"></span>dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y; an<span class=\"_ _0\"></span>d  <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 3 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are un<span class=\"_ _0\"></span>obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e inp<span class=\"_ _0\"></span>uts fo<span class=\"_ _0\"></span>r the as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></span></span>The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>nts th<span class=\"_ _0\"></span>at are not t<span class=\"_ _0\"></span>rad<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n an ac<span class=\"_ _0\"></span>tive ma<span class=\"_ _0\"></span>rket (for examp<span class=\"_ _0\"></span>le, invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns) is deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned by u<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on tec<span class=\"_ _0\"></span>hni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on tec<span class=\"_ _0\"></span>hni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>es ma<span class=\"_ _0\"></span>xim<span class=\"_ _0\"></span>ise th<span class=\"_ _0\"></span>e us<span class=\"_ _0\"></span>e of obse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le m<span class=\"_ _0\"></span>arket data whe<span class=\"_ _0\"></span>re it is ava<span class=\"_ _0\"></span>ila<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d rely a<span class=\"_ _0\"></span>s lit<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>e as p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e on e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y-s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>ic e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates. If a<span class=\"_ _0\"></span>ll s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red to fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e an i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ment a<span class=\"_ _0\"></span>re obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le, t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent is i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n level 2. I<span class=\"_ _0\"></span>f one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re of th<span class=\"_ _0\"></span>e sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>uts a<span class=\"_ _0\"></span>re not ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e mar<span class=\"_ _0\"></span>ket data, th<span class=\"_ _0\"></span>e ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt is in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d in l<span class=\"_ _0\"></span>evel 3. A<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sme<span class=\"_ _0\"></span>nt that t<span class=\"_ _0\"></span>he leve<span class=\"_ _0\"></span>l app<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed to fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ate and wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r a tr<span class=\"_ _0\"></span>ansfer b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ween l<span class=\"_ _0\"></span>evels i<span class=\"_ _0\"></span>s req<span class=\"_ _0\"></span>uire<span class=\"_ _0\"></span>d is u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>ken at the e<span class=\"_ _0\"></span>nd of ea<span class=\"_ _0\"></span>ch acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>ere we<span class=\"_ _0\"></span>re no tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>fers b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en l<span class=\"_ _0\"></span>evels du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year o<span class=\"_ _0\"></span>r pr<span class=\"_ _0\"></span>ior yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>The F<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nce d<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>tm<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rms t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>ons of i<span class=\"_ _0\"></span>tems re<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>red fo<span class=\"_ _0\"></span>r fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting p<span class=\"_ _0\"></span>urp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>es, inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng leve<span class=\"_ _0\"></span>l 3 fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>his tea<span class=\"_ _0\"></span>m rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ts to th<span class=\"_ _0\"></span>e Chi<span class=\"_ _0\"></span>ef Fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l Of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er (<span class=\"_ _0\"></span>\u201cC<span class=\"_ _0\"></span>FO\u201d<span class=\"_ _0\"></span>). Dis<span class=\"_ _0\"></span>cus<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns of val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>es and r<span class=\"_ _0\"></span>esu<span class=\"_ _0\"></span>lts ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d reg<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ly at Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce S<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et Ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>nd Valu<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n Co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tees al<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g wit<span class=\"_ _0\"></span>h reg<span class=\"_ _0\"></span>ula<span class=\"_ _0\"></span>r up<span class=\"_ _0\"></span>dates provi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d to the Au<span class=\"_ _0\"></span>dit C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>tee.<span class=\"_ _2d6\"> </span><table class=\"s w3c4 hbc\" id=\"_42cb03b4-357e-4d4e-9911-ae08246ba0e3\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x72e h35 y2a50 ff4 fs19 fc5 sc0 lsd1 wsc8\">Fair<span class=\"_ _1\"></span> value meas<span class=\"_ _1\"></span>urement using<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x72f y2a51 w3a3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2<span class=\"_ _0\"></span>024<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td class=\"c n x730 y2a51 w3c5 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x731 h38 y2a52 ff2 fs19 fc3 sc0 ls2 ws2\">Qu<span class=\"_ _0\"></span>ote<span class=\"_ _0\"></span>d </td><td></td><td></td><td class=\"t m0 x732 h35 y2a52 ff4 fs19 fc5 sc0 lscf wsc6\">Quot<span class=\"_ _1\"></span>ed </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x733 h38 y2a53 ff2 fs19 fc3 sc0 lse4 wsdd\">prices<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x734 h38 y2a53 ff2 fs19 fc3 sc0 lsd1 wsc8\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x735 h38 y2a53 ff2 fs19 fc3 sc0 lsd1 wsc8\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x420 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">prices<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x736 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x737 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">Significant<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x377 h38 y2a54 ff2 fs19 fc3 sc0 ls2 ws2\">in a<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ive </td><td class=\"t m0 x734 h38 y2a54 ff2 fs19 fc3 sc0 ls120 ws118\">observable<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x738 h38 y2a54 ff2 fs19 fc3 sc0 ls120 ws118\">unobserva<span class=\"_ _1\"></span>ble<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x739 h35 y2a54 ff4 fs19 fc5 sc0 ls2 ws2\">in a<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ive </td><td class=\"t m0 x73a h35 y2a54 ff4 fs19 fc5 sc0 ls141 ws13c\">obse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37e h35 y2a54 ff4 fs19 fc5 sc0 ls141 ws13c\">uno<span class=\"_ _0\"></span>bser<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x377 h38 y2a55 ff2 fs19 fc3 sc0 ls14e ws14b\">ma<span class=\"_ _0\"></span>rke<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73b h38 y2a55 ff2 fs19 fc3 sc0 ls3e ws3f\">inpu<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73c h38 y2a55 ff2 fs19 fc3 sc0 ls3e ws3f\">inpu<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4f9 h35 y2a55 ff4 fs19 fc5 sc0 ls10a ws103\">ma<span class=\"_ _0\"></span>rke<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2a8 h35 y2a55 ff4 fs19 fc5 sc0 lsd1 wsc8\">inputs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d h35 y2a55 ff4 fs19 fc5 sc0 lsd1 wsc8\">inputs<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x73e h38 y2a56 ff2 fs19 fc3 sc0 ls108 ws101\">(l<span class=\"_ _0\"></span>eve<span class=\"_ _0\"></span>l 1)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73f h38 y2a56 ff2 fs19 fc3 sc0 ls2 ws2\">(l<span class=\"_ _0\"></span>evel 2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x740 h38 y2a56 ff2 fs19 fc3 sc0 ls106 wsff\">(l<span class=\"_ _0\"></span>evel 3)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x732 h35 y2a56 ff4 fs19 fc5 sc0 lsdb wsd2\">(l<span class=\"_ _0\"></span>eve<span class=\"_ _0\"></span>l 1)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h35 y2a56 ff4 fs19 fc5 sc0 ls10a ws103\">(l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span> 2)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4e4 h35 y2a56 ff4 fs19 fc5 sc0 ls108 ws101\">(l<span class=\"_ _0\"></span>evel 3)<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x378 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x741 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x742 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x743 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x744 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2a58 ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y2a59 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h pr<span class=\"_ _0\"></span>ofi<span class=\"_ _0\"></span>t </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2905 w3c6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">and loss<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x745 y2906 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x746 y2906 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x747 y2906 w3c7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x748 y2905 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x749 y2905 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74a y2905 wbc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 wb2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74b y27e6 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74c y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74d y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74e y27e5 w3c8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74f y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x750 y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 wab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x751 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x752 y27e8 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x753 y27e8 wad h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x754 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x755 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x756 y27e7 w3c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x757 y282f w174 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">13<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74c y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74d y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x758 y2830 w155 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x759 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54e y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x75a y27ec w3ca h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">136<span class=\"_ _0\"></span>.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75b y27ec w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75c y27ec w28e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">19.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75d y27eb w3cb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">15<span class=\"_ _0\"></span>0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75e y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75f y27eb w3cc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">43.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of a<span class=\"_ _0\"></span>ll S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated by dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng fu<span class=\"_ _0\"></span>ture c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows of t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>ans usi<span class=\"_ _0\"></span>ng di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt r<span class=\"_ _0\"></span>ates that refl<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>t the c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>s in ma<span class=\"_ _0\"></span>rket intere<span class=\"_ _0\"></span>st rates a<span class=\"_ _0\"></span>nd ob<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span>d mar<span class=\"_ _0\"></span>ket con<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns at the re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date. The e<span class=\"_ _0\"></span>stim<span class=\"_ _0\"></span>ated fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>rr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>ss was \u00a31.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 (<span class=\"_ _1\"></span>2023: \u00a318.6 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sents t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er veh<span class=\"_ _0\"></span>icl<span class=\"_ _0\"></span>es u<span class=\"_ _0\"></span>sed to fund C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS, R<span class=\"_ _0\"></span>LS, G<span class=\"_ _0\"></span>GS an<span class=\"_ _0\"></span>d ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>mme<span class=\"_ _0\"></span>rci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>s mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e gover<span class=\"_ _0\"></span>nme<span class=\"_ _0\"></span>nt-owne<span class=\"_ _0\"></span>d B<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>ish B<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss B<span class=\"_ _0\"></span>ank w<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l gua<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ntee up to 80% of th<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce of C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans i<span class=\"_ _0\"></span>n the event of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t (and b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en 70% an<span class=\"_ _0\"></span>d 80% of R<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd 70% for GG<span class=\"_ _0\"></span>S lo<span class=\"_ _0\"></span>ans). The esti<span class=\"_ _0\"></span>mated fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of the investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents wa<span class=\"_ _0\"></span>s \u00a317<span class=\"_ _5\"></span>.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024 (202<span class=\"_ _1\"></span>3: \u00a325.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>The m<span class=\"_ _0\"></span>ost re<span class=\"_ _0\"></span>levant s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant u<span class=\"_ _0\"></span>nobs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e inp<span class=\"_ _0\"></span>uts re<span class=\"_ _0\"></span>late to the d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t rate esti<span class=\"_ _0\"></span>mate an<span class=\"_ _0\"></span>d dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt rates ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d to the fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ulat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n. However, it was determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed th<span class=\"_ _0\"></span>at the re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e ra<span class=\"_ _0\"></span>nge of o<span class=\"_ _0\"></span>utco<span class=\"_ _0\"></span>mes f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>ese i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>uts into the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates are n<span class=\"_ _0\"></span>ot materi<span class=\"_ _0\"></span>al to the a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>Si<span class=\"_ _0\"></span>nce 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023, the a<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s related to es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e have be<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>lly u<span class=\"_ _0\"></span>pd<span class=\"_ _0\"></span>ated. Th<span class=\"_ _0\"></span>e expec<span class=\"_ _0\"></span>ted stre<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>n defau<span class=\"_ _0\"></span>lts du<span class=\"_ _0\"></span>e to the ma<span class=\"_ _0\"></span>cro e<span class=\"_ _0\"></span>nviro<span class=\"_ _0\"></span>nm<span class=\"_ _0\"></span>ent of inf<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ost p<span class=\"_ _0\"></span>ress<span class=\"_ _0\"></span>ures exp<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ien<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d by SM<span class=\"_ _0\"></span>Es an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir cus<span class=\"_ _0\"></span>tomer<span class=\"_ _0\"></span>s in t<span class=\"_ _0\"></span>he year d<span class=\"_ _0\"></span>id n<span class=\"_ _0\"></span>ot materi<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ise to th<span class=\"_ _0\"></span>e extent expe<span class=\"_ _0\"></span>cted as b<span class=\"_ _0\"></span>ase r<span class=\"_ _0\"></span>ates pea<span class=\"_ _0\"></span>ked, pl<span class=\"_ _0\"></span>ateaue<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>n to fall and b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rrower<span class=\"_ _0\"></span>s rem<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed l<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ely re<span class=\"_ _0\"></span>sil<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>nt. Th<span class=\"_ _0\"></span>is has l<span class=\"_ _0\"></span>ed to s<span class=\"_ _0\"></span>ome favou<span class=\"_ _0\"></span>rab<span class=\"_ _0\"></span>le o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ved p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce w<span class=\"_ _0\"></span>ith l<span class=\"_ _0\"></span>ower defa<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>s and s<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le re<span class=\"_ _0\"></span>cover<span class=\"_ _0\"></span>ies re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve to e<span class=\"_ _1\"></span>x<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>ons o<span class=\"_ _0\"></span>n many of th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>foli<span class=\"_ _0\"></span>os pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tic<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>arl<span class=\"_ _0\"></span>y the l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>acy S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns (sec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sed) in th<span class=\"_ _0\"></span>e US pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r to thei<span class=\"_ _0\"></span>r sa<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ng wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e US bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>on of a ma<span class=\"_ _0\"></span>cro s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>s is now exp<span class=\"_ _0\"></span>ected to b<span class=\"_ _0\"></span>e les<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>unc<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>ut l<span class=\"_ _0\"></span>ast lo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>er. This has l<span class=\"_ _0\"></span>ed to a lowe<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>fetime c<span class=\"_ _0\"></span>umu<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve defau<span class=\"_ _0\"></span>lt expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd a h<span class=\"_ _0\"></span>igh<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on of fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pare<span class=\"_ _0\"></span>d to the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng val<span class=\"_ _0\"></span>ue of t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>ans t<span class=\"_ _0\"></span>han at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023. H<span class=\"_ _0\"></span>owever<span class=\"_ _1\"></span>, due to th<span class=\"_ _0\"></span>e amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g natu<span class=\"_ _0\"></span>re of the<span class=\"_ _0\"></span>se lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>he sa<span class=\"_ _0\"></span>le of t<span class=\"_ _0\"></span>he US l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s, the<span class=\"_ _0\"></span>re is l<span class=\"_ _0\"></span>ess s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y to defau<span class=\"_ _0\"></span>lt as<span class=\"_ _0\"></span>sum<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns g<span class=\"_ _0\"></span>iven the l<span class=\"_ _0\"></span>ower re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve remai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lue o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e bo<span class=\"_ _0\"></span>ok yea<span class=\"_ _0\"></span>r on year.<span class=\"_ _2d6\"> </span>Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>es invested i<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>usts i<span class=\"_ _0\"></span>n wh<span class=\"_ _0\"></span>ich Fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e is a m<span class=\"_ _0\"></span>ino<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>-investo<span class=\"_ _0\"></span>r sol<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>eir l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>ets to a thi<span class=\"_ _0\"></span>rd par<span class=\"_ _2\"></span>ty an<span class=\"_ _0\"></span>d Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y re<span class=\"_ _0\"></span>-investe<span class=\"_ _0\"></span>d alo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>e the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>, the n<span class=\"_ _0\"></span>et cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows fro<span class=\"_ _0\"></span>m the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt were rea<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sed s<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>r and a n<span class=\"_ _0\"></span>et fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue ga<span class=\"_ _0\"></span>in of \u00a32.<span class=\"_ _0\"></span>2 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on wa<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins i<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nt of co<span class=\"_ _0\"></span>mpre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>ome<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows re<span class=\"_ _0\"></span>lated to th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span> are p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted net wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n \u201cC<span class=\"_ _0\"></span>ash re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ipts f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in tr<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>s and c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts<span class=\"_ _0\"></span>\u201d in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows, refl<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he n<span class=\"_ _0\"></span>et sett<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt of the rea<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>The<span class=\"_ _0\"></span>re has a<span class=\"_ _0\"></span>ddi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n de<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>n disc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rates us<span class=\"_ _0\"></span>ed to dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows i<span class=\"_ _0\"></span>n the yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, pr<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ily dri<span class=\"_ _0\"></span>ven by de<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n the r<span class=\"_ _0\"></span>isk f<span class=\"_ _0\"></span>ree r<span class=\"_ _0\"></span>ate, due to centr<span class=\"_ _0\"></span>al b<span class=\"_ _0\"></span>ank i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ates fal<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>ons of r<span class=\"_ _0\"></span>ate cuts p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>ed into swaps<span class=\"_ _0\"></span>. Ma<span class=\"_ _0\"></span>ny of the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in l<span class=\"_ _0\"></span>evera<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>d investm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>st str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>tures h<span class=\"_ _0\"></span>ave experi<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d a redu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n disc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rates du<span class=\"_ _0\"></span>e to de-<span class=\"_ _0\"></span>lever<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ing of t<span class=\"_ _0\"></span>he veh<span class=\"_ _0\"></span>icl<span class=\"_ _0\"></span>es as s<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ior l<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s debt h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en p<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d down<span class=\"_ _0\"></span>. The re<span class=\"_ _0\"></span>paym<span class=\"_ _0\"></span>ent of se<span class=\"_ _0\"></span>nio<span class=\"_ _0\"></span>r debt and t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e of tim<span class=\"_ _0\"></span>e has a<span class=\"_ _0\"></span>ddi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ly l<span class=\"_ _0\"></span>ed to fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins a<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt unwi<span class=\"_ _0\"></span>nd as p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d futu<span class=\"_ _0\"></span>re cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of the i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h tend to be b<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>kl<span class=\"_ _0\"></span>oad<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>ctu<span class=\"_ _0\"></span>re be<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me are n<span class=\"_ _0\"></span>ea<span class=\"_ _0\"></span>rer in t<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>e to the ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce she<span class=\"_ _0\"></span>et date. Th<span class=\"_ _0\"></span>is, in tu<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>, has l<span class=\"_ _0\"></span>ed to a hi<span class=\"_ _0\"></span>ghe<span class=\"_ _0\"></span>r rel<span class=\"_ _0\"></span>ative est<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e in th<span class=\"_ _0\"></span>e year.<span class=\"_ _2d6\"> </span>The re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>t of the va<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ous fa<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s out<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>bove is a \u00a36.4 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n net fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r (of whic<span class=\"_ _0\"></span>h \u00a32.2 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>ates to disco<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns) pri<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>y dri<span class=\"_ _0\"></span>ven by favour<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce of l<span class=\"_ _0\"></span>ega<span class=\"_ _0\"></span>cy se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>isat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n loa<span class=\"_ _0\"></span>ns rel<span class=\"_ _0\"></span>ative to expec<span class=\"_ _0\"></span>tati<span class=\"_ _0\"></span>ons of st<span class=\"_ _0\"></span>ress<span class=\"_ _0\"></span>ed p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce over t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r; however<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>se lo<span class=\"_ _0\"></span>ans c<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>e to amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>e they a<span class=\"_ _0\"></span>re expe<span class=\"_ _0\"></span>cted to bec<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e les<span class=\"_ _0\"></span>s se<span class=\"_ _0\"></span>nsit<span class=\"_ _0\"></span>ive to esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on u<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>nty.<span class=\"_ _2d6\"> </span>Se<span class=\"_ _0\"></span>nsit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s to unob<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns in t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d mo<span class=\"_ _0\"></span>ney ma<span class=\"_ _0\"></span>rket fun<span class=\"_ _0\"></span>ds wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts are n<span class=\"_ _0\"></span>ot disc<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>sed a<span class=\"_ _0\"></span>s reaso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le c<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ges i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent as<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>ons i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lus<span class=\"_ _0\"></span>ive of defau<span class=\"_ _0\"></span>lt r<span class=\"_ _0\"></span>ates, dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt rates an<span class=\"_ _0\"></span>d rec<span class=\"_ _0\"></span>over<span class=\"_ _0\"></span>y rates wou<span class=\"_ _0\"></span>ld n<span class=\"_ _0\"></span>ot be exp<span class=\"_ _0\"></span>ected to res<span class=\"_ _0\"></span>ult i<span class=\"_ _0\"></span>n mater<span class=\"_ _0\"></span>ial c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>rr<span class=\"_ _2\"></span>ying va<span class=\"_ _0\"></span>lue<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>Fair val<span class=\"_ _0\"></span>ue m<span class=\"_ _0\"></span>ovement<span class=\"_ _0\"></span>s on S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents<span class=\"_ _2d6\"> </span>are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt in fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s/(loss<span class=\"_ _0\"></span>es)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>A rec<span class=\"_ _0\"></span>onc<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e moveme<span class=\"_ _0\"></span>nt in l<span class=\"_ _0\"></span>evel 3 f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>s show<span class=\"_ _0\"></span>n as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w3cd hbd\" id=\"_f1f0143c-bcb4-4415-958a-cb207b8428a9\"><tr><td></td><td class=\"t m0 x5eb h35 y2a5a ff4 fs19 fc5 sc0 ls120 ws118\">SME lo<span class=\"_ _1\"></span>ans<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x760 h35 y2a5b ff4 fs19 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t fai<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49f h35 y2a5b ff4 fs19 fc5 sc0 lsf1 wsea\">Investment<span class=\"_ _1\"></span> in<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h35 y2a5c ff4 fs19 fc5 sc0 lsd1 wsc8\">value t<span class=\"_ _1\"></span>hrough<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x761 h35 y2a5c ff4 fs19 fc5 sc0 ls2 ws2\">tr<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ts a<span class=\"_ _0\"></span>nd<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x55d h35 y2a5d ff4 fs19 fc5 sc0 ls2 ws2\">pr<span class=\"_ _0\"></span>ofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x762 h35 y2a5d ff4 fs19 fc5 sc0 lsf1 wsea\">co-investments<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h35 y2a5e ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a5e ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a5f w3ce h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce a<span class=\"_ _0\"></span>s at 1 Ja<span class=\"_ _0\"></span>nua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x763 y2a5f w3cf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">6<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x764 y2a5f w3d0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls53 ws6d\">28.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a60 w300 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x765 y2a60 w3d1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">11.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x766 y2a60 w27d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a61 w3d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Repa<span class=\"_ _1\"></span>yments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x767 y2a61 w3d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x768 y2a61 w1e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(6<span class=\"_ _0\"></span>.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a62 w3d4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Disposal<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x769 y2a62 w3d5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2a62 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a38 w3d6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n on th<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at f<span class=\"_ _0\"></span>air v<span class=\"_ _0\"></span>alu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76a y2a38 w3d7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2d\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76b y2a38 w18d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a39 w3d8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls53 ws6d\">Fo<span class=\"_ _0\"></span>rei<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>n exc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76c y2a39 w3d9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76d y2a39 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a63 w3da h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce a<span class=\"_ _0\"></span>s at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76e y2a63 w3db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76f y2a63 w36b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a64 w300 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y2a64 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54c y2a64 w3dc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">4<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3c w3d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Repa<span class=\"_ _1\"></span>yments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x767 y2a3c w3dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">(1<span class=\"_ _1\"></span>3.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x770 y2a3c w3de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(14<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w3d6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n on th<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at f<span class=\"_ _0\"></span>air v<span class=\"_ _0\"></span>alu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x771 y2a3d w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x1d6 y2a3d w10c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w3df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>her n<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>sh m<span class=\"_ _0\"></span>oveme<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x772 y2a65 w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x773 y2a65 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w3e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Disposal<span class=\"_ _1\"></span> of dis<span class=\"_ _1\"></span>continued oper<span class=\"_ _1\"></span>ations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x774 y2a3f w3e1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x775 y2a3f w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w3e2 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e as at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x776 y27eb wbb h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x777 y27eb w3e3 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-428": {
   "value": "Financial<span class=\"_ _1\"></span> instruments<span class=\"_ _1\"></span> measured a<span class=\"_ _1\"></span>t fair v<span class=\"_ _1\"></span>alue IFR<span class=\"_ _0\"></span>S 13 requi<span class=\"_ _0\"></span>res ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>res wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h req<span class=\"_ _0\"></span>uir<span class=\"_ _0\"></span>e the c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>sif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>ssets a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies m<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>ured at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e usi<span class=\"_ _0\"></span>ng a fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue h<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>rarc<span class=\"_ _0\"></span>hy that ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e sig<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nce of t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts use<span class=\"_ _0\"></span>d in m<span class=\"_ _0\"></span>ak<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue measur<span class=\"_ _1\"></span>ement. Dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re of fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>reme<span class=\"_ _0\"></span>nts by level i<span class=\"_ _0\"></span>s acc<span class=\"_ _0\"></span>ord<span class=\"_ _0\"></span>ing to th<span class=\"_ _0\"></span>e foll<span class=\"_ _0\"></span>owi<span class=\"_ _0\"></span>ng fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ent hi<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>archy: <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 1 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are qu<span class=\"_ _0\"></span>oted pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>es (una<span class=\"_ _0\"></span>dju<span class=\"_ _0\"></span>sted) in a<span class=\"_ _0\"></span>ctive m<span class=\"_ _0\"></span>arkets for i<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ntic<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e entit<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>an </span></span>access a<span class=\"_ _1\"></span>t the mea<span class=\"_ _1\"></span>surement<span class=\"_ _1\"></span> date<span class=\"_ _1\"></span>; <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 2 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts oth<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>an qu<span class=\"_ _0\"></span>oted pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>es in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n level 1 t<span class=\"_ _0\"></span>hat are o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets or </span></span>lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies, e<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>er di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tly o<span class=\"_ _0\"></span>r in<span class=\"_ _0\"></span>dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y; an<span class=\"_ _0\"></span>d  <span class=\"_ _2c\"></span><span class=\"ffd\">l<span class=\"_ _13\"> </span><span class=\"ff4 fc5\">l<span class=\"_ _0\"></span>evel 3 in<span class=\"_ _0\"></span>put<span class=\"_ _0\"></span>s are un<span class=\"_ _0\"></span>obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e inp<span class=\"_ _0\"></span>uts fo<span class=\"_ _0\"></span>r the as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></span></span>The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>ume<span class=\"_ _0\"></span>nts th<span class=\"_ _0\"></span>at are not t<span class=\"_ _0\"></span>rad<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n an ac<span class=\"_ _0\"></span>tive ma<span class=\"_ _0\"></span>rket (for examp<span class=\"_ _0\"></span>le, invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns) is deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ned by u<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on tec<span class=\"_ _0\"></span>hni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on tec<span class=\"_ _0\"></span>hni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>es ma<span class=\"_ _0\"></span>xim<span class=\"_ _0\"></span>ise th<span class=\"_ _0\"></span>e us<span class=\"_ _0\"></span>e of obse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le m<span class=\"_ _0\"></span>arket data whe<span class=\"_ _0\"></span>re it is ava<span class=\"_ _0\"></span>ila<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d rely a<span class=\"_ _0\"></span>s lit<span class=\"_ _0\"></span>tl<span class=\"_ _0\"></span>e as p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e on e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y-s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cif<span class=\"_ _0\"></span>ic e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates. If a<span class=\"_ _0\"></span>ll s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant in<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>ts req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red to fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e an i<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>ment a<span class=\"_ _0\"></span>re obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le, t<span class=\"_ _0\"></span>he in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent is i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n level 2. I<span class=\"_ _0\"></span>f one o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re of th<span class=\"_ _0\"></span>e sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>uts a<span class=\"_ _0\"></span>re not ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n obs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e mar<span class=\"_ _0\"></span>ket data, th<span class=\"_ _0\"></span>e ins<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt is in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d in l<span class=\"_ _0\"></span>evel 3. A<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sme<span class=\"_ _0\"></span>nt that t<span class=\"_ _0\"></span>he leve<span class=\"_ _0\"></span>l app<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ed to fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ate and wh<span class=\"_ _0\"></span>ethe<span class=\"_ _0\"></span>r a tr<span class=\"_ _0\"></span>ansfer b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ween l<span class=\"_ _0\"></span>evels i<span class=\"_ _0\"></span>s req<span class=\"_ _0\"></span>uire<span class=\"_ _0\"></span>d is u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>ken at the e<span class=\"_ _0\"></span>nd of ea<span class=\"_ _0\"></span>ch acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g pe<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>ere we<span class=\"_ _0\"></span>re no tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>fers b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en l<span class=\"_ _0\"></span>evels du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year o<span class=\"_ _0\"></span>r pr<span class=\"_ _0\"></span>ior yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>The F<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nce d<span class=\"_ _0\"></span>ep<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>tm<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rms t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>ons of i<span class=\"_ _0\"></span>tems re<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>red fo<span class=\"_ _0\"></span>r fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting p<span class=\"_ _0\"></span>urp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>es, inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng leve<span class=\"_ _0\"></span>l 3 fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>his tea<span class=\"_ _0\"></span>m rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ts to th<span class=\"_ _0\"></span>e Chi<span class=\"_ _0\"></span>ef Fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l Of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er (<span class=\"_ _0\"></span>\u201cC<span class=\"_ _0\"></span>FO\u201d<span class=\"_ _0\"></span>). Dis<span class=\"_ _0\"></span>cus<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns of val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>es and r<span class=\"_ _0\"></span>esu<span class=\"_ _0\"></span>lts ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d reg<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ly at Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce S<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et Ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>nd Valu<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n Co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tees al<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g wit<span class=\"_ _0\"></span>h reg<span class=\"_ _0\"></span>ula<span class=\"_ _0\"></span>r up<span class=\"_ _0\"></span>dates provi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d to the Au<span class=\"_ _0\"></span>dit C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>tee.<span class=\"_ _2d6\"> </span><table class=\"s w3c4 hbc\" id=\"_42cb03b4-357e-4d4e-9911-ae08246ba0e3\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x72e h35 y2a50 ff4 fs19 fc5 sc0 lsd1 wsc8\">Fair<span class=\"_ _1\"></span> value meas<span class=\"_ _1\"></span>urement using<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x72f y2a51 w3a3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2<span class=\"_ _0\"></span>024<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td class=\"c n x730 y2a51 w3c5 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x731 h38 y2a52 ff2 fs19 fc3 sc0 ls2 ws2\">Qu<span class=\"_ _0\"></span>ote<span class=\"_ _0\"></span>d </td><td></td><td></td><td class=\"t m0 x732 h35 y2a52 ff4 fs19 fc5 sc0 lscf wsc6\">Quot<span class=\"_ _1\"></span>ed </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x733 h38 y2a53 ff2 fs19 fc3 sc0 lse4 wsdd\">prices<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x734 h38 y2a53 ff2 fs19 fc3 sc0 lsd1 wsc8\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x735 h38 y2a53 ff2 fs19 fc3 sc0 lsd1 wsc8\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x420 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">prices<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x736 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">Significant<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x737 h35 y2a53 ff4 fs19 fc5 sc0 lse4 wsdd\">Significant<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x377 h38 y2a54 ff2 fs19 fc3 sc0 ls2 ws2\">in a<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ive </td><td class=\"t m0 x734 h38 y2a54 ff2 fs19 fc3 sc0 ls120 ws118\">observable<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x738 h38 y2a54 ff2 fs19 fc3 sc0 ls120 ws118\">unobserva<span class=\"_ _1\"></span>ble<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x739 h35 y2a54 ff4 fs19 fc5 sc0 ls2 ws2\">in a<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ive </td><td class=\"t m0 x73a h35 y2a54 ff4 fs19 fc5 sc0 ls141 ws13c\">obse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37e h35 y2a54 ff4 fs19 fc5 sc0 ls141 ws13c\">uno<span class=\"_ _0\"></span>bser<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x377 h38 y2a55 ff2 fs19 fc3 sc0 ls14e ws14b\">ma<span class=\"_ _0\"></span>rke<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73b h38 y2a55 ff2 fs19 fc3 sc0 ls3e ws3f\">inpu<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73c h38 y2a55 ff2 fs19 fc3 sc0 ls3e ws3f\">inpu<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4f9 h35 y2a55 ff4 fs19 fc5 sc0 ls10a ws103\">ma<span class=\"_ _0\"></span>rke<span class=\"_ _0\"></span>ts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2a8 h35 y2a55 ff4 fs19 fc5 sc0 lsd1 wsc8\">inputs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d h35 y2a55 ff4 fs19 fc5 sc0 lsd1 wsc8\">inputs<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x73e h38 y2a56 ff2 fs19 fc3 sc0 ls108 ws101\">(l<span class=\"_ _0\"></span>eve<span class=\"_ _0\"></span>l 1)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73f h38 y2a56 ff2 fs19 fc3 sc0 ls2 ws2\">(l<span class=\"_ _0\"></span>evel 2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x740 h38 y2a56 ff2 fs19 fc3 sc0 ls106 wsff\">(l<span class=\"_ _0\"></span>evel 3)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x732 h35 y2a56 ff4 fs19 fc5 sc0 lsdb wsd2\">(l<span class=\"_ _0\"></span>eve<span class=\"_ _0\"></span>l 1)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h35 y2a56 ff4 fs19 fc5 sc0 ls10a ws103\">(l<span class=\"_ _0\"></span>evel<span class=\"_ _0\"></span> 2)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4e4 h35 y2a56 ff4 fs19 fc5 sc0 ls108 ws101\">(l<span class=\"_ _0\"></span>evel 3)<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x378 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x741 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x742 h38 y2a57 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x743 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x744 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a57 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2a58 ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> assets<span class=\"_ _1\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d hd y2a59 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h pr<span class=\"_ _0\"></span>ofi<span class=\"_ _0\"></span>t </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2905 w3c6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">and loss<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x745 y2906 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x746 y2906 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x747 y2906 w3c7 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x748 y2905 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x749 y2905 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74a y2905 wbc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 wb2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74b y27e6 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74c y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74d y27e6 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74e y27e5 w3c8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74f y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x750 y27e5 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 wab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x751 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x752 y27e8 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x753 y27e8 wad h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x754 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x755 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x756 y27e7 w3c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x757 y282f w174 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">13<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74c y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x74d y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x758 y2830 w155 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x759 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54e y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x75a y27ec w3ca h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7f ws7b\">136<span class=\"_ _0\"></span>.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75b y27ec w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75c y27ec w28e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">19.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75d y27eb w3cb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">15<span class=\"_ _0\"></span>0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75e y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x75f y27eb w3cc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">43.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of a<span class=\"_ _0\"></span>ll S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated by dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng fu<span class=\"_ _0\"></span>ture c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows of t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>ans usi<span class=\"_ _0\"></span>ng di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt r<span class=\"_ _0\"></span>ates that refl<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>t the c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>s in ma<span class=\"_ _0\"></span>rket intere<span class=\"_ _0\"></span>st rates a<span class=\"_ _0\"></span>nd ob<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span>d mar<span class=\"_ _0\"></span>ket con<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns at the re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng date. The e<span class=\"_ _0\"></span>stim<span class=\"_ _0\"></span>ated fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>rr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d lo<span class=\"_ _0\"></span>ss was \u00a31.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 (<span class=\"_ _1\"></span>2023: \u00a318.6 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sents t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er veh<span class=\"_ _0\"></span>icl<span class=\"_ _0\"></span>es u<span class=\"_ _0\"></span>sed to fund C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS, R<span class=\"_ _0\"></span>LS, G<span class=\"_ _0\"></span>GS an<span class=\"_ _0\"></span>d ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n co<span class=\"_ _0\"></span>mme<span class=\"_ _0\"></span>rci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>s mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e gover<span class=\"_ _0\"></span>nme<span class=\"_ _0\"></span>nt-owne<span class=\"_ _0\"></span>d B<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>ish B<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss B<span class=\"_ _0\"></span>ank w<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>l gua<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ntee up to 80% of th<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce of C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans i<span class=\"_ _0\"></span>n the event of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t (and b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en 70% an<span class=\"_ _0\"></span>d 80% of R<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd 70% for GG<span class=\"_ _0\"></span>S lo<span class=\"_ _0\"></span>ans). The esti<span class=\"_ _0\"></span>mated fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt of the investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents wa<span class=\"_ _0\"></span>s \u00a317<span class=\"_ _5\"></span>.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024 (202<span class=\"_ _1\"></span>3: \u00a325.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>The m<span class=\"_ _0\"></span>ost re<span class=\"_ _0\"></span>levant s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant u<span class=\"_ _0\"></span>nobs<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e inp<span class=\"_ _0\"></span>uts re<span class=\"_ _0\"></span>late to the d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t rate esti<span class=\"_ _0\"></span>mate an<span class=\"_ _0\"></span>d dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt rates ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d to the fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ulat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n. However, it was determ<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed th<span class=\"_ _0\"></span>at the re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e ra<span class=\"_ _0\"></span>nge of o<span class=\"_ _0\"></span>utco<span class=\"_ _0\"></span>mes f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>ese i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>uts into the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates are n<span class=\"_ _0\"></span>ot materi<span class=\"_ _0\"></span>al to the a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>Si<span class=\"_ _0\"></span>nce 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023, the a<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s related to es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e have be<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>lly u<span class=\"_ _0\"></span>pd<span class=\"_ _0\"></span>ated. Th<span class=\"_ _0\"></span>e expec<span class=\"_ _0\"></span>ted stre<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>n defau<span class=\"_ _0\"></span>lts du<span class=\"_ _0\"></span>e to the ma<span class=\"_ _0\"></span>cro e<span class=\"_ _0\"></span>nviro<span class=\"_ _0\"></span>nm<span class=\"_ _0\"></span>ent of inf<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ost p<span class=\"_ _0\"></span>ress<span class=\"_ _0\"></span>ures exp<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ien<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d by SM<span class=\"_ _0\"></span>Es an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>ir cus<span class=\"_ _0\"></span>tomer<span class=\"_ _0\"></span>s in t<span class=\"_ _0\"></span>he year d<span class=\"_ _0\"></span>id n<span class=\"_ _0\"></span>ot materi<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ise to th<span class=\"_ _0\"></span>e extent expe<span class=\"_ _0\"></span>cted as b<span class=\"_ _0\"></span>ase r<span class=\"_ _0\"></span>ates pea<span class=\"_ _0\"></span>ked, pl<span class=\"_ _0\"></span>ateaue<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>n to fall and b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rrower<span class=\"_ _0\"></span>s rem<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed l<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ely re<span class=\"_ _0\"></span>sil<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>nt. Th<span class=\"_ _0\"></span>is has l<span class=\"_ _0\"></span>ed to s<span class=\"_ _0\"></span>ome favou<span class=\"_ _0\"></span>rab<span class=\"_ _0\"></span>le o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ved p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce w<span class=\"_ _0\"></span>ith l<span class=\"_ _0\"></span>ower defa<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>s and s<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le re<span class=\"_ _0\"></span>cover<span class=\"_ _0\"></span>ies re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve to e<span class=\"_ _1\"></span>x<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>ons o<span class=\"_ _0\"></span>n many of th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>foli<span class=\"_ _0\"></span>os pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tic<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>arl<span class=\"_ _0\"></span>y the l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>acy S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns (sec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>sed) in th<span class=\"_ _0\"></span>e US pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r to thei<span class=\"_ _0\"></span>r sa<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ng wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e US bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>on of a ma<span class=\"_ _0\"></span>cro s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>s is now exp<span class=\"_ _0\"></span>ected to b<span class=\"_ _0\"></span>e les<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>unc<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>ut l<span class=\"_ _0\"></span>ast lo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>er. This has l<span class=\"_ _0\"></span>ed to a lowe<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>fetime c<span class=\"_ _0\"></span>umu<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve defau<span class=\"_ _0\"></span>lt expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd a h<span class=\"_ _0\"></span>igh<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on of fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pare<span class=\"_ _0\"></span>d to the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng val<span class=\"_ _0\"></span>ue of t<span class=\"_ _0\"></span>he lo<span class=\"_ _0\"></span>ans t<span class=\"_ _0\"></span>han at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023. H<span class=\"_ _0\"></span>owever<span class=\"_ _1\"></span>, due to th<span class=\"_ _0\"></span>e amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g natu<span class=\"_ _0\"></span>re of the<span class=\"_ _0\"></span>se lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>he sa<span class=\"_ _0\"></span>le of t<span class=\"_ _0\"></span>he US l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s, the<span class=\"_ _0\"></span>re is l<span class=\"_ _0\"></span>ess s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y to defau<span class=\"_ _0\"></span>lt as<span class=\"_ _0\"></span>sum<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns g<span class=\"_ _0\"></span>iven the l<span class=\"_ _0\"></span>ower re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve remai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng va<span class=\"_ _0\"></span>lue o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e bo<span class=\"_ _0\"></span>ok yea<span class=\"_ _0\"></span>r on year.<span class=\"_ _2d6\"> </span>Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, c<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>in wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>es invested i<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>usts i<span class=\"_ _0\"></span>n wh<span class=\"_ _0\"></span>ich Fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e is a m<span class=\"_ _0\"></span>ino<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>-investo<span class=\"_ _0\"></span>r sol<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>eir l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>ets to a thi<span class=\"_ _0\"></span>rd par<span class=\"_ _2\"></span>ty an<span class=\"_ _0\"></span>d Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y re<span class=\"_ _0\"></span>-investe<span class=\"_ _0\"></span>d alo<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>e the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>, the n<span class=\"_ _0\"></span>et cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows fro<span class=\"_ _0\"></span>m the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt were rea<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sed s<span class=\"_ _0\"></span>oo<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>r and a n<span class=\"_ _0\"></span>et fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue ga<span class=\"_ _0\"></span>in of \u00a32.<span class=\"_ _0\"></span>2 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on wa<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins i<span class=\"_ _0\"></span>n the c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>idated s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nt of co<span class=\"_ _0\"></span>mpre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inc<span class=\"_ _0\"></span>ome<span class=\"_ _0\"></span>. The c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows re<span class=\"_ _0\"></span>lated to th<span class=\"_ _0\"></span>e tra<span class=\"_ _0\"></span>nsa<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span> are p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nted net wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n \u201cC<span class=\"_ _0\"></span>ash re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ipts f<span class=\"_ _0\"></span>rom i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in tr<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>s and c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts<span class=\"_ _0\"></span>\u201d in th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows, refl<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he n<span class=\"_ _0\"></span>et sett<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt of the rea<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd re<span class=\"_ _0\"></span>-i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>The<span class=\"_ _0\"></span>re has a<span class=\"_ _0\"></span>ddi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n de<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>n disc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rates us<span class=\"_ _0\"></span>ed to dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows i<span class=\"_ _0\"></span>n the yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, pr<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ily dri<span class=\"_ _0\"></span>ven by de<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n the r<span class=\"_ _0\"></span>isk f<span class=\"_ _0\"></span>ree r<span class=\"_ _0\"></span>ate, due to centr<span class=\"_ _0\"></span>al b<span class=\"_ _0\"></span>ank i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ates fal<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d expe<span class=\"_ _0\"></span>ctati<span class=\"_ _0\"></span>ons of r<span class=\"_ _0\"></span>ate cuts p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>ed into swaps<span class=\"_ _0\"></span>. Ma<span class=\"_ _0\"></span>ny of the i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in l<span class=\"_ _0\"></span>evera<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>d investm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>st str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>tures h<span class=\"_ _0\"></span>ave experi<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d a redu<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n disc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt rates du<span class=\"_ _0\"></span>e to de-<span class=\"_ _0\"></span>lever<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ing of t<span class=\"_ _0\"></span>he veh<span class=\"_ _0\"></span>icl<span class=\"_ _0\"></span>es as s<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ior l<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s debt h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en p<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d down<span class=\"_ _0\"></span>. The re<span class=\"_ _0\"></span>paym<span class=\"_ _0\"></span>ent of se<span class=\"_ _0\"></span>nio<span class=\"_ _0\"></span>r debt and t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e of tim<span class=\"_ _0\"></span>e has a<span class=\"_ _0\"></span>ddi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ly l<span class=\"_ _0\"></span>ed to fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins a<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt unwi<span class=\"_ _0\"></span>nd as p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d futu<span class=\"_ _0\"></span>re cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of the i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h tend to be b<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>kl<span class=\"_ _0\"></span>oad<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>tru<span class=\"_ _0\"></span>ctu<span class=\"_ _0\"></span>re be<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me are n<span class=\"_ _0\"></span>ea<span class=\"_ _0\"></span>rer in t<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>e to the ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce she<span class=\"_ _0\"></span>et date. Th<span class=\"_ _0\"></span>is, in tu<span class=\"_ _0\"></span>rn<span class=\"_ _0\"></span>, has l<span class=\"_ _0\"></span>ed to a hi<span class=\"_ _0\"></span>ghe<span class=\"_ _0\"></span>r rel<span class=\"_ _0\"></span>ative est<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e in th<span class=\"_ _0\"></span>e year.<span class=\"_ _2d6\"> </span>The re<span class=\"_ _0\"></span>sul<span class=\"_ _0\"></span>t of the va<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ous fa<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s out<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>bove is a \u00a36.4 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n net fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r (of whic<span class=\"_ _0\"></span>h \u00a32.2 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>ates to disco<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns) pri<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>y dri<span class=\"_ _0\"></span>ven by favour<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce of l<span class=\"_ _0\"></span>ega<span class=\"_ _0\"></span>cy se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>isat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n loa<span class=\"_ _0\"></span>ns rel<span class=\"_ _0\"></span>ative to expec<span class=\"_ _0\"></span>tati<span class=\"_ _0\"></span>ons of st<span class=\"_ _0\"></span>ress<span class=\"_ _0\"></span>ed p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce over t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r; however<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>se lo<span class=\"_ _0\"></span>ans c<span class=\"_ _0\"></span>onti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>e to amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>e they a<span class=\"_ _0\"></span>re expe<span class=\"_ _0\"></span>cted to bec<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e les<span class=\"_ _0\"></span>s se<span class=\"_ _0\"></span>nsit<span class=\"_ _0\"></span>ive to esti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on u<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>nty.<span class=\"_ _2d6\"> </span>Se<span class=\"_ _0\"></span>nsit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s to unob<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>va<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns in t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d mo<span class=\"_ _0\"></span>ney ma<span class=\"_ _0\"></span>rket fun<span class=\"_ _0\"></span>ds wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts are n<span class=\"_ _0\"></span>ot disc<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>sed a<span class=\"_ _0\"></span>s reaso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le c<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ges i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent as<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>ons i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lus<span class=\"_ _0\"></span>ive of defau<span class=\"_ _0\"></span>lt r<span class=\"_ _0\"></span>ates, dis<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt rates an<span class=\"_ _0\"></span>d rec<span class=\"_ _0\"></span>over<span class=\"_ _0\"></span>y rates wou<span class=\"_ _0\"></span>ld n<span class=\"_ _0\"></span>ot be exp<span class=\"_ _0\"></span>ected to res<span class=\"_ _0\"></span>ult i<span class=\"_ _0\"></span>n mater<span class=\"_ _0\"></span>ial c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he ca<span class=\"_ _0\"></span>rr<span class=\"_ _2\"></span>ying va<span class=\"_ _0\"></span>lue<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>Fair val<span class=\"_ _0\"></span>ue m<span class=\"_ _0\"></span>ovement<span class=\"_ _0\"></span>s on S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents<span class=\"_ _2d6\"> </span>are re<span class=\"_ _0\"></span>cog<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>sed t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt in fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s/(loss<span class=\"_ _0\"></span>es)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>A rec<span class=\"_ _0\"></span>onc<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e moveme<span class=\"_ _0\"></span>nt in l<span class=\"_ _0\"></span>evel 3 f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>s show<span class=\"_ _0\"></span>n as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w3cd hbd\" id=\"_f1f0143c-bcb4-4415-958a-cb207b8428a9\"><tr><td></td><td class=\"t m0 x5eb h35 y2a5a ff4 fs19 fc5 sc0 ls120 ws118\">SME lo<span class=\"_ _1\"></span>ans<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x760 h35 y2a5b ff4 fs19 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t fai<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x49f h35 y2a5b ff4 fs19 fc5 sc0 lsf1 wsea\">Investment<span class=\"_ _1\"></span> in<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h35 y2a5c ff4 fs19 fc5 sc0 lsd1 wsc8\">value t<span class=\"_ _1\"></span>hrough<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x761 h35 y2a5c ff4 fs19 fc5 sc0 ls2 ws2\">tr<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ts a<span class=\"_ _0\"></span>nd<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x55d h35 y2a5d ff4 fs19 fc5 sc0 ls2 ws2\">pr<span class=\"_ _0\"></span>ofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x762 h35 y2a5d ff4 fs19 fc5 sc0 lsf1 wsea\">co-investments<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h35 y2a5e ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2a5e ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a5f w3ce h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce a<span class=\"_ _0\"></span>s at 1 Ja<span class=\"_ _0\"></span>nua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x763 y2a5f w3cf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">6<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x764 y2a5f w3d0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls53 ws6d\">28.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a60 w300 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x765 y2a60 w3d1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">11.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x766 y2a60 w27d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a61 w3d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Repa<span class=\"_ _1\"></span>yments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x767 y2a61 w3d3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x768 y2a61 w1e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(6<span class=\"_ _0\"></span>.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a62 w3d4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsc wsb\">Disposal<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x769 y2a62 w3d5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2a62 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a38 w3d6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n on th<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at f<span class=\"_ _0\"></span>air v<span class=\"_ _0\"></span>alu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76a y2a38 w3d7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2d\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76b y2a38 w18d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a39 w3d8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls53 ws6d\">Fo<span class=\"_ _0\"></span>rei<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>n exc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76c y2a39 w3d9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76d y2a39 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a63 w3da h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce a<span class=\"_ _0\"></span>s at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76e y2a63 w3db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x76f y2a63 w36b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">25.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a64 w300 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">Additions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y2a64 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54c y2a64 w3dc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">4<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3c w3d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Repa<span class=\"_ _1\"></span>yments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x767 y2a3c w3dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">(1<span class=\"_ _1\"></span>3.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x770 y2a3c w3de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(14<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w3d6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n on th<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at f<span class=\"_ _0\"></span>air v<span class=\"_ _0\"></span>alu<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x771 y2a3d w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x1d6 y2a3d w10c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w3df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>her n<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>sh m<span class=\"_ _0\"></span>oveme<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x772 y2a65 w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x773 y2a65 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w3e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Disposal<span class=\"_ _1\"></span> of dis<span class=\"_ _1\"></span>continued oper<span class=\"_ _1\"></span>ations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x774 y2a3f w3e1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x775 y2a3f w34a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.7)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w3e2 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e as at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x776 y27eb wbb h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">1.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x777 y27eb w3e3 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-429": {
   "value": "Credit ri<span class=\"_ _1\"></span>sk<span class=\"_ _2d6\"> </span>Cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk i<span class=\"_ _0\"></span>s the r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al lo<span class=\"_ _0\"></span>ss to the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p if a c<span class=\"_ _0\"></span>ustom<span class=\"_ _0\"></span>er o<span class=\"_ _0\"></span>r cou<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y to a fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent fai<span class=\"_ _0\"></span>ls to me<span class=\"_ _0\"></span>et its c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>, and a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ses p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>lly f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es fro<span class=\"_ _0\"></span>m cus<span class=\"_ _0\"></span>tome<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts he<span class=\"_ _0\"></span>ld at ba<span class=\"_ _0\"></span>nks<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ma<span class=\"_ _0\"></span>xim<span class=\"_ _0\"></span>um expo<span class=\"_ _0\"></span>sure to cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k by cl<span class=\"_ _0\"></span>ass of f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset i<span class=\"_ _0\"></span>s as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w3e4 hbe\" id=\"_bfed3355-33cf-4a86-a83d-9a17cec4718f\"><tr><td></td><td class=\"t m0 x539 h38 y2a66 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2a66 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2a67 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a67 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x53a h38 y2a68 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a68 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2a69 ff6 fs6 fc5 sc0 ls13 ws12\">Non-current<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a6a waf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x264 y2a6b wb0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x265 y2a6a wb1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a6c wab h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x778 y2a6d w3e5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x779 y2a6c w36b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">25.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a6e ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s:<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a6f w3e6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77a y2a70 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77b y2a6f w379 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y2a71 ff6 fs6 fc5 sc0 ls13 ws12\">Current<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a72 waf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at a<span class=\"_ _0\"></span>mor<span class=\"_ _2\"></span>tise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77c y2a73 wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77d y2a72 w14b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a74 wb9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h pr<span class=\"_ _0\"></span>ofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77e y2a75 w3c7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77f y2a74 w3e7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">18.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a76 wbd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4f2 y2a77 w3e8 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x780 y2a76 w371 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a78 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s:<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a2d w3e9 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e rec<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>vab<span class=\"_ _0\"></span>les<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x359 y2a2e w168 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x781 y2a2d wfd h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2825 w3e6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x67c y2826 w223 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">4.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x782 y2825 w230 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290c w3ea h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">\u2013 Ac<span class=\"_ _1\"></span>crued income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x783 y290d we0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfd wsf6\">5.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x784 y290c w3eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd8 wscf\">5.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2829 w3ec h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2013 Rent a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r de<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>its<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x785 y282a w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x786 y2829 wdf h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290e wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x787 y290f w359 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x788 y290e wc6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">221.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e8 w3ed h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal g<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>ss c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k expo<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>re<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x789 y27e8 w3ee h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">3<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78a y27e7 w3b7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">333.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2830 w3ef h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Less b<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>k bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs</div><div class=\"t m0 x78b h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78c y282f w3f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78d y2830 w3bd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w3f1 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal n<span class=\"_ _0\"></span>et c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k expo<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>re<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78e y27ec w3f2 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">215.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x78f y27eb w3f3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb4 wsb0\">2<span class=\"_ _2\"></span>7<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _6\"> </span> <span class=\"_ _b\"></span>I<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>in b<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>row<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs a<span class=\"_ _0\"></span>re \u00a3<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>l (2023: \u00a32<span class=\"_ _0\"></span>.2 m<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) in r<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n to dr<span class=\"_ _0\"></span>awd<span class=\"_ _0\"></span>own<span class=\"_ _0\"></span>s on t<span class=\"_ _0\"></span>he PP<span class=\"_ _0\"></span>PL<span class=\"_ _0\"></span>F an<span class=\"_ _0\"></span>d \u00a310<span class=\"_ _0\"></span>1.9 m<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (2023: \u00a35<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d to th<span class=\"_ _0\"></span>e Fl<span class=\"_ _0\"></span>exi<span class=\"_ _0\"></span>Pay w<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>. In a<span class=\"_ _0\"></span>ddit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p was s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>n f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial g<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>rantee<span class=\"_ _0\"></span>s in it<span class=\"_ _0\"></span>s le<span class=\"_ _0\"></span>gac<span class=\"_ _0\"></span>y Europ<span class=\"_ _0\"></span>ean o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h it h<span class=\"_ _0\"></span>ad is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed to buy ba<span class=\"_ _0\"></span>ck l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns. T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s maxi<span class=\"_ _0\"></span>mu<span class=\"_ _0\"></span>m expos<span class=\"_ _0\"></span>ure to cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>ese f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l gua<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ntees were ever<span class=\"_ _0\"></span>y e<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>n req<span class=\"_ _0\"></span>uire<span class=\"_ _0\"></span>d to be b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght ba<span class=\"_ _0\"></span>ck wo<span class=\"_ _0\"></span>uld b<span class=\"_ _0\"></span>e \u00a3ni<span class=\"_ _0\"></span>l (202<span class=\"_ _1\"></span>3: \u00a30.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>An exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>ated to undr<span class=\"_ _0\"></span>awn l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit o<span class=\"_ _0\"></span>n the Fl<span class=\"_ _0\"></span>exiP<span class=\"_ _0\"></span>ay prod<span class=\"_ _0\"></span>uct of \u00a32.7 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>1.4 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) is he<span class=\"_ _0\"></span>ld w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in p<span class=\"_ _0\"></span>rovisi<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s max<span class=\"_ _0\"></span>imu<span class=\"_ _0\"></span>m expos<span class=\"_ _0\"></span>ure to cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k on th<span class=\"_ _0\"></span>e un<span class=\"_ _0\"></span>drawn l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>f they we<span class=\"_ _0\"></span>re al<span class=\"_ _0\"></span>l to be ful<span class=\"_ _0\"></span>ly d<span class=\"_ _0\"></span>rawn wou<span class=\"_ _0\"></span>ld b<span class=\"_ _0\"></span>e \u00a3278.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a3157<span class=\"_ _5\"></span>.3 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion). The Gr<span class=\"_ _0\"></span>oup h<span class=\"_ _0\"></span>as the a<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to freeze, redu<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>r wit<span class=\"_ _0\"></span>hdr<span class=\"_ _0\"></span>aw lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t as a way of man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ri<span class=\"_ _0\"></span>sk as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>tes wi<span class=\"_ _0\"></span>th S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d li<span class=\"_ _0\"></span>nes o<span class=\"_ _0\"></span>f cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span>Un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 9, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ired to p<span class=\"_ _0\"></span>rovide fo<span class=\"_ _0\"></span>r loa<span class=\"_ _0\"></span>ns me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed co<span class=\"_ _0\"></span>st un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it lo<span class=\"_ _0\"></span>ss (\u201c<span class=\"_ _0\"></span>EC<span class=\"_ _0\"></span>L<span class=\"_ _5\"></span>\u201d) m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l. T<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>irm<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>lated to ea<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>s bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the EC<span class=\"_ _0\"></span>Ls as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt of that l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e nex<span class=\"_ _0\"></span>t 12 months u<span class=\"_ _0\"></span>nl<span class=\"_ _0\"></span>ess t<span class=\"_ _0\"></span>here h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en a s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk of t<span class=\"_ _0\"></span>hat l<span class=\"_ _0\"></span>oan s<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>e or<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>inat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>. The b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow facto<span class=\"_ _0\"></span>rs are u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in est<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g the i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt:<span class=\"_ _2d6\"> </span><table class=\"s w3f4 hbf\" id=\"_95010ed9-c655-40c4-ab62-241804d7a9df\"><tr><td class=\"c n x1c5 y2a7a w3f5 h91\"><div class=\"t m0 x1ba ha y27b5 ff5 fs6 fc5 sc0 lsd5 wscc\">Fact<span class=\"_ _1\"></span>or<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x790 y2a7a w3f6 h91\"><div class=\"t m0 x1ba ha y27b5 ff5 fs6 fc5 sc0 lsd5 wscc\">Description<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2a7b ff4 fs6 fc5 sc0 ls2 ws2\">Prob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of </td><td class=\"t m0 x791 hd y2a7b ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed P<span class=\"_ _0\"></span>D mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls ta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ore<span class=\"_ _0\"></span>d to eac<span class=\"_ _0\"></span>h T<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>m Loan o<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>ct to as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>e </td></tr><tr><td class=\"t m0 x256 hd y2a7c ff4 fs6 fc5 sc0 ls2 ws2\">Defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t (\u201c<span class=\"_ _0\"></span>PD<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x791 hd y2a7c ff4 fs6 fc5 sc0 ls2 ws2\">li<span class=\"_ _0\"></span>keli<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>od of d<span class=\"_ _0\"></span>efau<span class=\"_ _0\"></span>lt wi<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>e nex<span class=\"_ _0\"></span>t 12 mont<span class=\"_ _0\"></span>hs an<span class=\"_ _0\"></span>d over th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>fetim<span class=\"_ _0\"></span>e. Th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ate PD bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a7d ff4 fs6 fc5 sc0 ls2 ws2\">latest p<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>avio<span class=\"_ _0\"></span>ur of th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>stom<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s and o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ved h<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l tre<span class=\"_ _0\"></span>nds<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e PD mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>l als<span class=\"_ _0\"></span>o in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es an </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a7e ff4 fs6 fc5 sc0 ls2 ws2\">est<span class=\"_ _0\"></span>imate of t<span class=\"_ _0\"></span>he fu<span class=\"_ _0\"></span>ture m<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>roe<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>c ef<span class=\"_ _0\"></span>fect.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2a7f ff4 fs6 fc5 sc0 ls2 ws2\">Exp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ure at </td><td class=\"t m0 x791 hd y2a7f ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>n E<span class=\"_ _0\"></span>AD m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>del fo<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts to as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>kely exp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ure at d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t. </td></tr><tr><td class=\"t m0 x256 hd y2a80 ff4 fs6 fc5 sc0 ls2 ws2\">Defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t (\u201c<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>\u201d) </td><td class=\"t m0 x791 hd y2a80 ff4 fs6 fc5 sc0 ls2 ws2\">The m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lates e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates of E<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>D bas<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e latest p<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>avio<span class=\"_ _0\"></span>ur of th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>stom<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a81 ff4 fs6 fc5 sc0 ls2 ws2\">li<span class=\"_ _0\"></span>mit u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on, a<span class=\"_ _0\"></span>nd a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>ly<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g a cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>onve<span class=\"_ _0\"></span>rsi<span class=\"_ _0\"></span>on fa<span class=\"_ _0\"></span>ctor a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roa<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2a82 ff4 fs6 fc5 sc0 lsd4 wscb\">Los<span class=\"_ _0\"></span>s Gi<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span>n </td><td class=\"t m0 x791 hd y2a82 ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed LGD m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>s tai<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>red to ea<span class=\"_ _0\"></span>ch T<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>rm Lo<span class=\"_ _0\"></span>an or l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>ct to ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s the l<span class=\"_ _0\"></span>ike<span class=\"_ _0\"></span>ly </td></tr><tr><td class=\"t m0 x256 hd y2a83 ff4 fs6 fc5 sc0 lsca wsc2\">Def<span class=\"_ _1\"></span>ault (\u201cL<span class=\"_ _1\"></span>GD\u201d)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x791 hd y2a83 ff4 fs6 fc5 sc0 ls2 ws2\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s give<span class=\"_ _0\"></span>n an a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>ount d<span class=\"_ _0\"></span>efau<span class=\"_ _0\"></span>lts<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ate esti<span class=\"_ _0\"></span>mates of LGD b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on h<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l data o<span class=\"_ _0\"></span>n </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a84 ff4 fs6 fc5 sc0 ls1e ws26\">observed reco<span class=\"_ _1\"></span>veries against de<span class=\"_ _1\"></span>faulted accoun<span class=\"_ _1\"></span>ts.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y28fd w3f7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt r<span class=\"_ _0\"></span>ate<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x792 y28fd w3f8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p us<span class=\"_ _0\"></span>es ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unt-l<span class=\"_ _0\"></span>evel ef<span class=\"_ _0\"></span>fect<span class=\"_ _0\"></span>ive inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ate whi<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt o<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x791 hd y2a85 ff4 fs6 fc5 sc0 ls2 ws2\">lo<span class=\"_ _0\"></span>an a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt, i<span class=\"_ _0\"></span>nteres<span class=\"_ _0\"></span>t and fe<span class=\"_ _0\"></span>es, exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ted rep<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng pr<span class=\"_ _0\"></span>e-<span class=\"_ _0\"></span>paym<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d term<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr></table>Significant increa<span class=\"_ _1\"></span>se in credit risk: The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>ere ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en a si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ica<span class=\"_ _0\"></span>nt in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se in c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ri<span class=\"_ _0\"></span>sk if t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan o<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>ne of cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>s overdu<span class=\"_ _0\"></span>e, or if th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n frozen due to id<span class=\"_ _0\"></span>entif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of r<span class=\"_ _0\"></span>isk f<span class=\"_ _0\"></span>rom so<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>es su<span class=\"_ _0\"></span>ch as b<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>au data i<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ey have be<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e overdu<span class=\"_ _0\"></span>e on a th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y de<span class=\"_ _0\"></span>bt for examp<span class=\"_ _0\"></span>le, or i<span class=\"_ _0\"></span>f the b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower i<span class=\"_ _0\"></span>s late on an<span class=\"_ _0\"></span>oth<span class=\"_ _0\"></span>er FC pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t. A ba<span class=\"_ _0\"></span>cks<span class=\"_ _0\"></span>top is ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d for any ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts o<span class=\"_ _0\"></span>n the l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent excee<span class=\"_ _0\"></span>d 30 days, i<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e rebu<span class=\"_ _0\"></span>tt<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e pre<span class=\"_ _0\"></span>sum<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n pe<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9.For<span class=\"_ _1\"></span>ecast period<span class=\"_ _1\"></span>: We esti<span class=\"_ _0\"></span>mate PD, EA<span class=\"_ _0\"></span>D and LGD for t<span class=\"_ _0\"></span>he du<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>fetime of t<span class=\"_ _0\"></span>he T<span class=\"_ _1\"></span>erm Lo<span class=\"_ _0\"></span>an or l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>. T<span class=\"_ _5\"></span>e<span class=\"_ _0\"></span>rm Loans u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>e the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al ter<span class=\"_ _0\"></span>m of the T<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>m Loan<span class=\"_ _0\"></span>. For l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit, t<span class=\"_ _0\"></span>he du<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>he li<span class=\"_ _0\"></span>fetime i<span class=\"_ _0\"></span>s est<span class=\"_ _0\"></span>imated to b<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ive ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Def<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t: The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es a defau<span class=\"_ _0\"></span>lt, c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g, as a l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt wit<span class=\"_ _0\"></span>h any out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts exceed<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g a 90<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>day du<span class=\"_ _0\"></span>e date, whi<span class=\"_ _0\"></span>ch ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>int at wh<span class=\"_ _0\"></span>ich t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d to be cre<span class=\"_ _0\"></span>dit-im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ired<span class=\"_ _0\"></span>. In s<span class=\"_ _0\"></span>ome c<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>ums<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>ces w<span class=\"_ _0\"></span>here l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght b<span class=\"_ _0\"></span>ack by t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup, th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>set as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iated w<span class=\"_ _0\"></span>ith the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e meet<span class=\"_ _0\"></span>s the d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion of p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nated c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>red (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>PO<span class=\"_ _0\"></span>CI<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>); this e<span class=\"_ _0\"></span>lem<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent is th<span class=\"_ _0\"></span>erefore b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e sam<span class=\"_ _0\"></span>e defa<span class=\"_ _0\"></span>ult d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n and p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of defa<span class=\"_ _0\"></span>ult u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er I<span class=\"_ _0\"></span>FRS 9; however<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>hey are a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n 12<span class=\"_ _1\"></span>-m<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>h prob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t at the over<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>l avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>ne of cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t level, e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e expec<span class=\"_ _0\"></span>ted uti<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on of the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cred<span class=\"_ _0\"></span>it at th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of defau<span class=\"_ _0\"></span>lt. T<span class=\"_ _0\"></span>he expe<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>s im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciate<span class=\"_ _0\"></span>d with u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>rawn li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t is di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>n note 15 and i<span class=\"_ _0\"></span>n note 27<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ded PP<span class=\"_ _0\"></span>P loa<span class=\"_ _0\"></span>ns fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e use of th<span class=\"_ _0\"></span>e PPPLF<span class=\"_ _1\"></span>. The l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns were gu<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>antee<span class=\"_ _0\"></span>d by the U<span class=\"_ _0\"></span>S govern<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e event of defau<span class=\"_ _0\"></span>lt a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans wer<span class=\"_ _0\"></span>e antic<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>ated to be forg<span class=\"_ _0\"></span>iven<span class=\"_ _0\"></span>. At the po<span class=\"_ _0\"></span>int of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t and subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nt col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e gu<span class=\"_ _0\"></span>ara<span class=\"_ _0\"></span>ntee or p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of forgive<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>an an<span class=\"_ _0\"></span>d the re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ive bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he PPPLF we<span class=\"_ _0\"></span>re exti<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>uis<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>d. S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t als<span class=\"_ _0\"></span>o in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns whi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n bo<span class=\"_ _0\"></span>ught b<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k from investor<span class=\"_ _0\"></span>s wit<span class=\"_ _0\"></span>h the i<span class=\"_ _0\"></span>ntentio<span class=\"_ _0\"></span>n of col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows<span class=\"_ _0\"></span>. Lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s \u00a397<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a350.0 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) of drawn a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts th<span class=\"_ _0\"></span>roug<span class=\"_ _0\"></span>h th<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t net of ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> credit<span class=\"_ _1\"></span> loss impairmen<span class=\"_ _1\"></span>t.<span class=\"_ _2d6\"> </span>The g<span class=\"_ _0\"></span>ross p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ipa<span class=\"_ _0\"></span>l val<span class=\"_ _0\"></span>ue of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at am<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>tised c<span class=\"_ _0\"></span>ost is \u00a3<span class=\"_ _0\"></span>11.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a321.4 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and dr<span class=\"_ _0\"></span>awn li<span class=\"_ _0\"></span>nes of cre<span class=\"_ _0\"></span>dit is \u00a3<span class=\"_ _0\"></span>110.0 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a355.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _1\"></span>, tota<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing \u00a3<span class=\"_ _0\"></span>121.3 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (2023<span class=\"_ _1\"></span>: \u00a3<span class=\"_ _0\"></span>76.8 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on), and an a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses of \u00a39.<span class=\"_ _0\"></span>2 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a314.7 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and \u00a312.9 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a35.4 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) resp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ively, t<span class=\"_ _1\"></span>ota<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing \u00a322.<span class=\"_ _1\"></span>1 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a320.<span class=\"_ _1\"></span>1 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _1\"></span>, i<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst th<span class=\"_ _0\"></span>ese l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d draw<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t as deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>An i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge of \u00a37<span class=\"_ _5\"></span>.0 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: impa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ment c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge of \u00a33.3 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) was rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsive i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>n the ye<span class=\"_ _0\"></span>ar to 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in (p<span class=\"_ _0\"></span>rovis<span class=\"_ _0\"></span>ion)/credit for exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>lated to draw<span class=\"_ _0\"></span>n lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t and S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost.<span class=\"_ _2d6\"> </span>Addi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>n expe<span class=\"_ _0\"></span>cted cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>s im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent c<span class=\"_ _0\"></span>harg<span class=\"_ _0\"></span>e was re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed re<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ing to un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>awn Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t of \u00a31.3 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (31 Dece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023: \u00a31.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and an exp<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge of \u00a3n<span class=\"_ _0\"></span>il (31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023: cre<span class=\"_ _0\"></span>dit of \u00a30.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) related to th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>n rep<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d an exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it lo<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge re<span class=\"_ _0\"></span>lated to op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al b<span class=\"_ _0\"></span>uyb<span class=\"_ _0\"></span>acks of \u00a30.<span class=\"_ _0\"></span>4 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3nil) were re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed a<span class=\"_ _0\"></span>s detai<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d in n<span class=\"_ _0\"></span>otes 15 and 27<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ba<span class=\"_ _0\"></span>nds ea<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n investm<span class=\"_ _0\"></span>ent at o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n usi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>n inter<span class=\"_ _0\"></span>nal r<span class=\"_ _0\"></span>isk r<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng an<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>ses o<span class=\"_ _0\"></span>n a co<span class=\"_ _0\"></span>lle<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve por<span class=\"_ _2\"></span>tfoli<span class=\"_ _0\"></span>o bas<span class=\"_ _0\"></span>is by pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t. C<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k gr<span class=\"_ _0\"></span>ade<span class=\"_ _0\"></span>s are n<span class=\"_ _0\"></span>ot repo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ted to ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent on a<span class=\"_ _0\"></span>n on<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s and t<span class=\"_ _0\"></span>he on<span class=\"_ _0\"></span>ly bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>r sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic infor<span class=\"_ _0\"></span>mat<span class=\"_ _0\"></span>ion t<span class=\"_ _0\"></span>hat is p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d use<span class=\"_ _0\"></span>d is pa<span class=\"_ _0\"></span>st du<span class=\"_ _0\"></span>e status<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>ere is n<span class=\"_ _0\"></span>o sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of<span class=\"_ _1\"></span> credit ri<span class=\"_ _1\"></span>sk to<span class=\"_ _1\"></span> specific indu<span class=\"_ _1\"></span>stries or<span class=\"_ _1\"></span> geographical r<span class=\"_ _1\"></span>egions.<span class=\"_ _2d6\"> </span><table class=\"s w3f9 hc0\" id=\"_105c04c7-ec11-4c2c-b118-bba9113016ad\"><tr><td></td><td class=\"t m0 x2a9 h35 y2a86 ff4 fs19 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x793 h35 y2a86 ff4 fs19 fc5 sc0 ls153 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 2<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x424 h35 y2a86 ff4 fs19 fc5 sc0 ls153 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x68a h35 y2a87 ff4 fs19 fc5 sc0 lsc4 ws14c\">Per<span class=\"_ _0\"></span>formin<span class=\"_ _0\"></span>g:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x794 h35 y2a87 ff4 fs19 fc5 sc0 ls137 ws132\">Underperforming:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x795 h35 y2a87 ff4 fs19 fc5 sc0 lsf2 wseb\">Non-performing:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h35 y2a87 ff4 fs19 fc5 sc0 ls159 ws157\">POCI:<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x796 h35 y2a88 ff4 fs19 fc5 sc0 ls17a ws17b\">12-<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x797 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x798 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x799 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a88 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2a89 ff5 fs6 fc5 sc0 lsd5 wscc\">Reconciliation o<span class=\"_ _1\"></span>f opening to<span class=\"_ _1\"></span> closing ECL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x68f h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b9 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a8a w3fa h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79a y2a8b w3fb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79b y2a8b w326 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79c y2a8b w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79d y2a8b w3fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79e y2a8b w3fd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">16.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8c w3fe h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls80 ws14\">Impairment<span class=\"_ _1\"></span> against ne<span class=\"_ _1\"></span>w lending and<span class=\"_ _1\"></span> purchased<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79f y2a8c w3ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls88 ws84\">12<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a0 y2a8c w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x606 y2a8c w1b1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a1 y2a8c w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a2 y2a8c w400 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8d w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x603 y2a8d w240 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a3 y2a8d w401 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a8e w402 h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>st lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls103 wsfc\">stages<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a8 y2a8e w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a4 y2a8e w272 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a5 y2a8e w403 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x555 y2a8e w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a6 y2a8e w230 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8f w404 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Loans<span class=\"_ _1\"></span> repaid<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a7 y2a8f w405 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a8 y2a8f w1c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a9 y2a8f w39b h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7aa y2a8f w406 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(0.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x1c9 y2a8f w407 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(<span class=\"_ _0\"></span>11.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a90 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss g<span class=\"_ _0\"></span>iven </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a91 w408 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">def<span class=\"_ _1\"></span>ault assump<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ab y2a91 w409 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(1.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ac y2a91 w39c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ad y2a91 we7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ae y2a91 w397 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7af y2a91 w30f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(0<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a92 w40a h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b0 y2a93 w40b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b1 y2a93 w274 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b2 y2a93 w40c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">3<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f0 y2a93 w40d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e6 y2a93 w40e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a94 w3fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls80 ws14\">Impairment<span class=\"_ _1\"></span> against ne<span class=\"_ _1\"></span>w lending and<span class=\"_ _1\"></span> purchased<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b3 y2a95 w40f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">12<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b4 y2a95 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ba y2a95 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ac y2a95 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b5 y2a95 w410 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">12<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a96 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a97 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a97 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b6 y2a97 w411 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _2\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b7 y2a97 w51 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>0.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b8 y2a97 w259 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a98 w402 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>st lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">stages<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b9 y2a99 w412 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ba y2a99 w413 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">3.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bb y2a99 w414 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bc y2a99 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bd y2a99 w415 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a9a w404 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Loans<span class=\"_ _1\"></span> repaid<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a7 y2a9b w416 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(11<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7be y2a9b w417 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bf y2a9b w259 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c0 y2a9b w418 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">(0.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c1 y2a9b w247 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">(15.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2852 w419 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls13 ws12\">Impairmen<span class=\"_ _1\"></span>t prov<span class=\"_ _1\"></span>ision der<span class=\"_ _1\"></span>ecognised rel<span class=\"_ _1\"></span>ated<span class=\"_ _1\"></span> to<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">wr<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ten of<span class=\"_ _0\"></span>f lo<span class=\"_ _0\"></span>ans<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c2 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c3 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c4 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c5 y2a9c w1ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c6 y2a9c w51 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a9d ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss g<span class=\"_ _0\"></span>iven </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a9e w408 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">def<span class=\"_ _1\"></span>ault assump<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c7 y2a9f w32d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c8 y2a9f w79 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c9 y2a9f w41a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ca y2a9f w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cb y2a9f w41b h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0.5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2aa0 ff4 fs6 fc5 sc0 ls2 ws2\">De<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iated w<span class=\"_ _0\"></span>ith a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a3f w41c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">of<span class=\"_ _1\"></span> discontin<span class=\"_ _1\"></span>ued operation<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cc y2aa1 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cd y2aa1 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ce y2aa1 w1b0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cf y2aa1 w41d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d0 y2aa1 w41e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x622 y27eb w31 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls15 ws14\">2.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a4 y27eb wb0 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d1 y27eb w161 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">9.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d2 y27eb w41f h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls7e ws7a\">8<span class=\"_ _0\"></span>.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d3 y27eb w420 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w421 hc1\" id=\"_de55c40e-747f-4cfe-a54d-d735a431617d\"><tr><td></td><td></td><td></td><td class=\"t m1 x7d4 h35 y2aa2 ff4 fs19 fc5 sc0 lsd9 wsd0\">Gross<span class=\"_ _1\"></span> lines<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x7d5 h35 y2aa3 ff4 fs19 fc5 sc0 ls2 ws2\">of cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x7d6 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>s for<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x6c0 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x561 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">Prov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7d7 h35 y2aa5 ff4 fs19 fc5 sc0 lscf wsc6\">Expect<span class=\"_ _1\"></span>ed credit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d8 h35 y2aa5 ff4 fs19 fc5 sc0 lse4 wsdd\">recognition o<span class=\"_ _1\"></span>f<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d5 h35 y2aa5 ff4 fs19 fc5 sc0 lsf1 wsea\">at amortised<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d9 h35 y2aa5 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7da h35 y2aa5 ff4 fs19 fc5 sc0 lsd0 wsc7\">Net carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7db h35 y2aa6 ff4 fs19 fc5 sc0 ls106 wsff\">lo<span class=\"_ _0\"></span>ss cove<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2aa6 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted cr<span class=\"_ _1\"></span>edit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dd h35 y2aa6 ff4 fs19 fc5 sc0 ls3e ws3f\">cost<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5eb h35 y2aa6 ff4 fs19 fc5 sc0 ls2 ws2\">cre<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7de h35 y2aa6 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7df h35 y2aa7 ff4 fs19 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2aa7 ff4 fs19 fc5 sc0 lsd1 wsc8\">loss impairmen<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5ef h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x254 h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x255 h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 ha y2aa8 ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2aa9 w422 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e0 y2aa9 wdf h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e1 y2aa9 w423 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">12-mo<span class=\"_ _0\"></span>nth EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e2 y2aa9 w424 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">55.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e3 y2aa9 w425 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1<span class=\"_ _0\"></span>.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e4 y2aa9 w426 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">54.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aaa w427 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e5 y2aaa w371 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e6 y2aaa w428 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e7 y2aaa w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e8 y2aaa w429 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e9 y2aaa w274 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y284e w42a h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ea y284e w42b h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">86.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7eb y284e w428 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ec y284e wb7 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ed y284e w2a7 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ee y284e w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aab w42c h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">PO<span class=\"_ _0\"></span>CI (9<span class=\"_ _0\"></span>0+ days overd<span class=\"_ _0\"></span>ue)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ef y2aab w42d h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">93.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f0 y2aab w42e h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime<span class=\"_ _1\"></span> ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f1 y2aab w11e h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f2 y2aab w42f h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a6 y2aab w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f3 y2a3a w430 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls175 ws176\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f4 y2a3a w431 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls52 ws50\">76.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f5 y2a3a w432 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f6 y2a3a w433 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">56<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m1 x256 ha y2aac ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2aad w422 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f7 y2aae w30 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">2<span class=\"_ _0\"></span>.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f8 y2aae w434 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">12-<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f9 y2aae w435 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fa y2aae w436 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fb y2aae w437 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd2 wsc9\">96.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w427 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fc y2aaf w438 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">43.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fd y2aaf w439 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fe y2aaf w43a h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">3.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ff y2aaf w43b h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x800 y2aaf w360 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w42a h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x801 y2ab0 w43c h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">90.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x802 y2ab0 w43d h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x803 y2ab0 w43e h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x804 y2ab0 w43f h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x805 y2ab0 w230 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2ab1 w440 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x806 y2ab2 w441 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">98.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x807 y2ab2 w442 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetim<span class=\"_ _0\"></span>e ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x808 y2ab2 w443 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x809 y2ab2 w79 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80a y2ab2 wea h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80b y27eb w444 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17b ws17c\">To<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80c y27eb w445 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd4 wscb\">121.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80d y27eb w9a h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80e y27eb w446 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w421 hc2\" id=\"_22048104-2952-4c04-8f83-9d40322778ae\"><tr><td></td><td></td><td class=\"t m1 x7d6 h35 y2ab3 ff4 fs19 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>s for<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m1 x561 h35 y2ab3 ff4 fs19 fc5 sc0 ls2 ws2\">Prov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7d7 h35 y2ab4 ff4 fs19 fc5 sc0 lscf wsc6\">Expect<span class=\"_ _1\"></span>ed credit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d8 h35 y2ab4 ff4 fs19 fc5 sc0 lse4 wsdd\">recognition o<span class=\"_ _1\"></span>f<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d4 h35 y2ab4 ff4 fs19 fc5 sc0 lsd9 wsd0\">Gross<span class=\"_ _1\"></span> lines<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d9 h35 y2ab4 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7da h35 y2ab4 ff4 fs19 fc5 sc0 lsd0 wsc7\">Net carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7db h35 y2ab5 ff4 fs19 fc5 sc0 ls106 wsff\">lo<span class=\"_ _0\"></span>ss cove<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2ab5 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted cr<span class=\"_ _1\"></span>edit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x80f h35 y2ab5 ff4 fs19 fc5 sc0 ls2 ws2\">of cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5eb h35 y2ab5 ff4 fs19 fc5 sc0 ls2 ws2\">cre<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7de h35 y2ab5 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 h35 y2ab6 ff4 fs19 fc5 sc0 ls2 ws2\">Of w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>s dr<span class=\"_ _0\"></span>awn F<span class=\"_ _0\"></span>lex<span class=\"_ _0\"></span>iP<span class=\"_ _0\"></span>ay li<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7df h35 y2ab6 ff4 fs19 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2ab6 ff4 fs19 fc5 sc0 lsd1 wsc8\">loss impairmen<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5ef h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x254 h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x255 h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 ha y2ab7 ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2ab8 w422 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e0 y2ab8 w447 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x810 y2ab8 w448 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">12-mo<span class=\"_ _0\"></span>nth EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x811 y2ab8 w1e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5<span class=\"_ _0\"></span>0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x812 y2ab8 w449 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x813 y2ab8 w44a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">48.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aaa w427 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e5 y2aaa w44b h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls128 ws14a\">52<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x814 y2aaa w44c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime E<span class=\"_ _1\"></span>CL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x815 y2aaa w169 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x816 y2aaa w349 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x817 y2aaa w190 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y284e w42a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x818 y284e w44d h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">93.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x819 y284e w44e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Lifetim<span class=\"_ _1\"></span>e ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81a y284e w127 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81b y284e w1f9 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81c y284e w20e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2ab9 w440 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81d y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81e y2ab9 w44f h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Life<span class=\"_ _1\"></span>time ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81f y2ab9 w28 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77a y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x820 y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f3 y2a3a w430 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls175 ws176\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x821 y2a3a w13a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">55<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x822 y2a3a w450 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(5.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x823 y2a3a w371 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m1 x256 ha y2aba ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a3c w422 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f7 y2abb w30 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">2<span class=\"_ _0\"></span>.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f8 y2abb w434 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">12-<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x824 y2abb w451 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x825 y2abb w452 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(2<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x826 y2abb w453 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">94.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w427 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x827 y2aaf w438 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">43.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x828 y2aaf w43d h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x829 y2aaf w43a h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">3.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82a y2aaf w43b h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82b y2aaf w388 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w42a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82c y2ab0 w454 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">89.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82d y2ab0 w455 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">L<span class=\"_ _0\"></span>ifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82e y2ab0 w456 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">9.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82f y2ab0 w457 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x830 y2ab0 w230 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w440 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x831 y2aa1 w105 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x832 y2aa1 w458 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Li<span class=\"_ _0\"></span>fetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2aa1 w1c h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x833 y2aa1 w28 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x834 y2aa1 w1c h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80b y27eb w444 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17b ws17c\">To<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x835 y27eb w3b2 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">110.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x836 y27eb w459 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd4 wscb\">(<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x837 y27eb wbe h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.1<span class=\"_ _2d6\"> </span></div></td></tr></table>The r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k and f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ce fu<span class=\"_ _0\"></span>nct<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p mo<span class=\"_ _0\"></span>nitor t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce of t<span class=\"_ _0\"></span>he Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cul<span class=\"_ _0\"></span>ate the EC<span class=\"_ _0\"></span>L esti<span class=\"_ _0\"></span>mate req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red for f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e teams re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t to the Chi<span class=\"_ _0\"></span>ef Fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l Of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er (<span class=\"_ _0\"></span>\u201cC<span class=\"_ _0\"></span>FO\u201d<span class=\"_ _0\"></span>) an<span class=\"_ _0\"></span>d Ch<span class=\"_ _0\"></span>ief R<span class=\"_ _0\"></span>isk O<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>r (\u201c<span class=\"_ _0\"></span>CRO<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>). Disc<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns of est<span class=\"_ _0\"></span>imates p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d res<span class=\"_ _0\"></span>ults a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld regularly<span class=\"_ _1\"></span> at Balance Shee<span class=\"_ _1\"></span>t Management<span class=\"_ _1\"></span> and Impairment and<span class=\"_ _1\"></span> Valua<span class=\"_ _1\"></span>tion Committee<span class=\"_ _1\"></span> meetings along<span class=\"_ _1\"></span> with regular<span class=\"_ _1\"></span> updat<span class=\"_ _1\"></span>es provi<span class=\"_ _0\"></span>ded to th<span class=\"_ _0\"></span>e Aud<span class=\"_ _0\"></span>it C<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tee.<span class=\"_ _2d6\"> </span>Forward<span class=\"_ _1\"></span>-looking inf<span class=\"_ _1\"></span>ormation<span class=\"_ _1\"></span> and scen<span class=\"_ _1\"></span>arios: The a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for expe<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s requ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d est<span class=\"_ _0\"></span>imat<span class=\"_ _0\"></span>ion to as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>s in<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>dua<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>ans o<span class=\"_ _0\"></span>r wh<span class=\"_ _0\"></span>en ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g stat<span class=\"_ _0\"></span>isti<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l mo<span class=\"_ _0\"></span>del<span class=\"_ _0\"></span>s for co<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ive ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>ast expe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>e of his<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>cal d<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss t<span class=\"_ _0\"></span>rend<span class=\"_ _0\"></span>s, as wel<span class=\"_ _0\"></span>l as for<span class=\"_ _0\"></span>wa<span class=\"_ _0\"></span>rd-<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ok<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g infor<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n the for<span class=\"_ _0\"></span>m of ma<span class=\"_ _0\"></span>croe<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic s<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>ios gover<span class=\"_ _0\"></span>ned by a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tee, whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>rs ma<span class=\"_ _0\"></span>cro<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>c forec<span class=\"_ _0\"></span>ast<span class=\"_ _0\"></span>s suc<span class=\"_ _0\"></span>h as ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ges i<span class=\"_ _0\"></span>n interes<span class=\"_ _0\"></span>t rates, GD<span class=\"_ _0\"></span>P an<span class=\"_ _0\"></span>d inf<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red for i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n into sc<span class=\"_ _0\"></span>ena<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>os an<span class=\"_ _0\"></span>d prob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty we<span class=\"_ _0\"></span>ighted<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se sc<span class=\"_ _0\"></span>ena<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>os are uti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed to de<span class=\"_ _0\"></span>rive a d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t stres<span class=\"_ _0\"></span>s mu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>r in th<span class=\"_ _0\"></span>e uns<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>sed P<span class=\"_ _0\"></span>D proj<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>hed f<span class=\"_ _0\"></span>rom h<span class=\"_ _0\"></span>istor<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>al expe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce<span class=\"_ _2d6\"> </span>Key chan<span class=\"_ _0\"></span>ges to sc<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>os us<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n 202<span class=\"_ _1\"></span>4: Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s moved away fro<span class=\"_ _0\"></span>m usi<span class=\"_ _0\"></span>ng ma<span class=\"_ _0\"></span>cro<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>c sce<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>s der<span class=\"_ _0\"></span>ived f<span class=\"_ _0\"></span>rom US m<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>roe<span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>ic dat<span class=\"_ _0\"></span>a (pr<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>ly G<span class=\"_ _0\"></span>DP w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h co<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>lated we<span class=\"_ _0\"></span>ll to US ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e of<span class=\"_ _0\"></span>f rates) toward a focus o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e UK ma<span class=\"_ _0\"></span>cro e<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic d<span class=\"_ _0\"></span>ata al<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g wit<span class=\"_ _0\"></span>h the d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>osa<span class=\"_ _0\"></span>l of the U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>. UK<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>spe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c forec<span class=\"_ _0\"></span>ast d<span class=\"_ _0\"></span>ata was obta<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed fro<span class=\"_ _0\"></span>m a th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>cs p<span class=\"_ _0\"></span>rovid<span class=\"_ _0\"></span>er for th<span class=\"_ _0\"></span>ree s<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>ios; a b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ne, ups<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>e and d<span class=\"_ _0\"></span>owns<span class=\"_ _0\"></span>ide s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>io. A nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of data p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nts were o<span class=\"_ _0\"></span>btai<span class=\"_ _0\"></span>ned a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red by Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng GD<span class=\"_ _0\"></span>P<span class=\"_ _5\"></span>, real e<span class=\"_ _0\"></span>state pr<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s, un<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyment r<span class=\"_ _0\"></span>ates, am<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g othe<span class=\"_ _0\"></span>rs, h<span class=\"_ _0\"></span>owever une<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loym<span class=\"_ _0\"></span>ent he<span class=\"_ _0\"></span>ld t<span class=\"_ _0\"></span>he st<span class=\"_ _0\"></span>rong<span class=\"_ _0\"></span>est c<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to UK i<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lven<span class=\"_ _0\"></span>cy rates an<span class=\"_ _0\"></span>d was deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d to be mo<span class=\"_ _0\"></span>re su<span class=\"_ _0\"></span>itab<span class=\"_ _0\"></span>le u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er stat<span class=\"_ _0\"></span>isti<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l mo<span class=\"_ _0\"></span>del<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng tec<span class=\"_ _0\"></span>hn<span class=\"_ _0\"></span>iqu<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>. As a res<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t une<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loym<span class=\"_ _0\"></span>ent was u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d as a si<span class=\"_ _0\"></span>ngl<span class=\"_ _0\"></span>e fac<span class=\"_ _0\"></span>tor forec<span class=\"_ _0\"></span>ast i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>ut for deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng sc<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>os ut<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d for PD stre<span class=\"_ _0\"></span>ss m<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>lie<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>. The s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ios u<span class=\"_ _0\"></span>sed we<span class=\"_ _0\"></span>re as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w45a hc3\" id=\"_2712c60a-f374-4fa8-a4fe-794b1cd29444\"><tr><td class=\"t m0 x21d hd y2abc ff4 fs6 fc5 sc0 ls13 ws12\">Macroeconomi<span class=\"_ _1\"></span>c driver<span class=\"_ _1\"></span>s <span class=\"ls2 ws2\"> </span></td><td></td><td class=\"t m0 x838 hd y2abc ff4 fs6 fc5 sc0 ls8a ws86\">2025<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x383 hd y2abc ff4 fs6 fc5 sc0 ls53 ws6d\">2026<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x839 hd y2abc ff4 fs6 fc5 sc0 ls34 ws35\">2027<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83a hd y2abc ff4 fs6 fc5 sc0 ls53 ws6d\">2028<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d hd y2abc ff4 fs6 fc5 sc0 lsd6 wscd\">2029<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2abd w45b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">(averag<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e fore<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>st yea<span class=\"_ _0\"></span>r)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x83b y2abd w45c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">ECL scenarios<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x73f hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73c hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83c hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83d hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83e hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a20 w45d h91\"><div class=\"t m0 x1ba hd y27a2 ff3 fs6 fc5 sc0 ls13 ws12\">Unemploymen<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e %<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x83f y2a1f w45e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsc wsb\">Upside<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x840 y2a1f w260 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.97<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x841 y2a1f w1e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.65<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x842 y2a1f w45f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.62<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x843 y2a1f w460 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.6<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x629 y2a1f w461 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.64<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x417 y29b1 w462 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">Base case<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x844 y29b1 w463 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">4.40<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x845 y29b1 w464 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">4.31<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x846 y29b1 w465 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">4<span class=\"_ _0\"></span>.1<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x847 y29b1 w466 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>.06<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x848 y29b1 w467 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4.0<span class=\"_ _0\"></span>0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x849 y27eb w468 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">Dow<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84a y27eb w469 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">5<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84b y27eb w46a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">5.98<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84c y27eb w46b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">6.7<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84d y27eb w46c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">6.71<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84e y27eb w136 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">6.4<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>A sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ty to th<span class=\"_ _0\"></span>ese as<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>ons o<span class=\"_ _0\"></span>n the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated EC<span class=\"_ _0\"></span>L is dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n note 2.<span class=\"_ _2d6\"> </span>The n<span class=\"_ _0\"></span>ature of th<span class=\"_ _0\"></span>e stre<span class=\"_ _0\"></span>ss fore<span class=\"_ _0\"></span>cas<span class=\"_ _0\"></span>ts was l<span class=\"_ _0\"></span>ower tha<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>ose us<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the p<span class=\"_ _0\"></span>revio<span class=\"_ _0\"></span>us yea<span class=\"_ _0\"></span>r whe<span class=\"_ _0\"></span>re the<span class=\"_ _0\"></span>re was a s<span class=\"_ _0\"></span>hif<span class=\"_ _0\"></span>t away from s<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ter<span class=\"_ _1\"></span>, s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r stre<span class=\"_ _0\"></span>ss fore<span class=\"_ _0\"></span>cas<span class=\"_ _0\"></span>t expec<span class=\"_ _0\"></span>tati<span class=\"_ _0\"></span>ons as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rp i<span class=\"_ _0\"></span>nflat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n and s<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>ply c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>in is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>es to a more \u201c<span class=\"_ _0\"></span>tra<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal<span class=\"_ _2\"></span>\u201d grad<span class=\"_ _0\"></span>ual b<span class=\"_ _0\"></span>ut l<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ger l<span class=\"_ _0\"></span>ast<span class=\"_ _0\"></span>ing s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>s. I<span class=\"_ _0\"></span>n com<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>natio<span class=\"_ _0\"></span>n wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>is mo<span class=\"_ _0\"></span>re mute<span class=\"_ _0\"></span>d stres<span class=\"_ _0\"></span>s mu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ier d<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ived f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>e sce<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>s FC shi<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ted its b<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>k weig<span class=\"_ _0\"></span>hti<span class=\"_ _0\"></span>ng fro<span class=\"_ _0\"></span>m 70% base<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ne, 20% down<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>e, 10% ups<span class=\"_ _0\"></span>ide f<span class=\"_ _0\"></span>rom F<span class=\"_ _0\"></span>Y 2023 to 60% bas<span class=\"_ _0\"></span>eli<span class=\"_ _0\"></span>ne, 3<span class=\"_ _0\"></span>0% downs<span class=\"_ _0\"></span>ide a<span class=\"_ _0\"></span>nd 10% u<span class=\"_ _0\"></span>psi<span class=\"_ _0\"></span>de i<span class=\"_ _0\"></span>n 202<span class=\"_ _1\"></span>4 b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>au<span class=\"_ _0\"></span>se in Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e\u2019s j<span class=\"_ _0\"></span>udg<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>re subt<span class=\"_ _0\"></span>le dow<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t is mo<span class=\"_ _0\"></span>re pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>le th<span class=\"_ _0\"></span>an t<span class=\"_ _0\"></span>he hi<span class=\"_ _0\"></span>ghe<span class=\"_ _0\"></span>r stre<span class=\"_ _0\"></span>ss us<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>ior yea<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>\u2019s s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ios hav<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ered p<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le we<span class=\"_ _0\"></span>ight<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>Cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ri<span class=\"_ _0\"></span>sk as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>ted wi<span class=\"_ _0\"></span>th oth<span class=\"_ _0\"></span>er f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l as<span class=\"_ _0\"></span>sets<span class=\"_ _0\"></span>:<span class=\"_ _2d6\"> </span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss re<span class=\"_ _0\"></span>late to the u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g po<span class=\"_ _0\"></span>ol of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns fro<span class=\"_ _0\"></span>m the l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>acy ware<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>PVs that have si<span class=\"_ _0\"></span>nce b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d or novated i<span class=\"_ _0\"></span>nto other Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s, but r<span class=\"_ _0\"></span>ema<span class=\"_ _0\"></span>in he<span class=\"_ _0\"></span>ld at F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el of ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s for sa<span class=\"_ _0\"></span>le. Ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ly l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nated by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e intenti<span class=\"_ _0\"></span>on of se<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g onwar<span class=\"_ _0\"></span>ds are i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n thi<span class=\"_ _0\"></span>s categ<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>y.<span class=\"_ _2d6\"> </span>T<span class=\"_ _1\"></span>rade r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt the i<span class=\"_ _0\"></span>nvoice<span class=\"_ _0\"></span>d am<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>s in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g fees du<span class=\"_ _0\"></span>e fro<span class=\"_ _0\"></span>m inst<span class=\"_ _0\"></span>itut<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal i<span class=\"_ _0\"></span>nvestors<span class=\"_ _0\"></span>. The r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>ss is d<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>med m<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ima<span class=\"_ _0\"></span>l be<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>use t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>unter<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are wel<span class=\"_ _0\"></span>l est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>hed f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>stitu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>On<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it eval<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on is p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>d on t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l con<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of othe<span class=\"_ _0\"></span>r rece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s and, w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re ap<span class=\"_ _0\"></span>pro<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>iate, a provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n for expe<span class=\"_ _0\"></span>cted cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>orde<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts.<span class=\"_ _2d6\"> </span>Ot<span class=\"_ _0\"></span>her re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>les i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in s<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es of of<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ces re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt valu<span class=\"_ _0\"></span>e of fut<span class=\"_ _0\"></span>ure su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ease paym<span class=\"_ _0\"></span>ents re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re app<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ate, impa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt is rec<span class=\"_ _0\"></span>ord<span class=\"_ _0\"></span>ed wh<span class=\"_ _0\"></span>ere t<span class=\"_ _0\"></span>he rec<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e is i<span class=\"_ _0\"></span>n doubt<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>In<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>al ri<span class=\"_ _0\"></span>sk l<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>ts for ba<span class=\"_ _0\"></span>nks a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns are s<span class=\"_ _0\"></span>et by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p wit<span class=\"_ _0\"></span>h referenc<span class=\"_ _0\"></span>e to exter<span class=\"_ _0\"></span>nal r<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g ag<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s tre<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y po<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>cy has s<span class=\"_ _0\"></span>et li<span class=\"_ _0\"></span>mits a<span class=\"_ _0\"></span>nd q<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>at the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p mus<span class=\"_ _0\"></span>t rema<span class=\"_ _0\"></span>in w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in. N<span class=\"_ _0\"></span>o cre<span class=\"_ _0\"></span>dit o<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>unter<span class=\"_ _0\"></span>par<span class=\"_ _2\"></span>ty li<span class=\"_ _0\"></span>mits we<span class=\"_ _0\"></span>re excee<span class=\"_ _0\"></span>ded d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s cash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h equ<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts sp<span class=\"_ _0\"></span>lit by S<span class=\"_ _0\"></span>&amp;P c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y rati<span class=\"_ _0\"></span>ng we<span class=\"_ _0\"></span>re A<span class=\"_ _0\"></span>/A- rated: \u00a35<span class=\"_ _1\"></span>1.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a371.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on), A<span class=\"_ _1\"></span>+ or b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ter rated: \u00a3136.<span class=\"_ _0\"></span>3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3150.<span class=\"_ _1\"></span>1 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) an<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>low A-r<span class=\"_ _0\"></span>ated: \u00a3nil (2023: \u00a3nil).<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-450": {
   "value": "An exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>oss a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>ated to undr<span class=\"_ _0\"></span>awn l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit o<span class=\"_ _0\"></span>n the Fl<span class=\"_ _0\"></span>exiP<span class=\"_ _0\"></span>ay prod<span class=\"_ _0\"></span>uct of \u00a32.7 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>1.4 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) is he<span class=\"_ _0\"></span>ld w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in p<span class=\"_ _0\"></span>rovisi<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup<span class=\"_ _0\"></span>\u2019s max<span class=\"_ _0\"></span>imu<span class=\"_ _0\"></span>m expos<span class=\"_ _0\"></span>ure to cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k on th<span class=\"_ _0\"></span>e un<span class=\"_ _0\"></span>drawn l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>f they we<span class=\"_ _0\"></span>re al<span class=\"_ _0\"></span>l to be ful<span class=\"_ _0\"></span>ly d<span class=\"_ _0\"></span>rawn wou<span class=\"_ _0\"></span>ld b<span class=\"_ _0\"></span>e \u00a3278.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a3157<span class=\"_ _5\"></span>.3 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion). The Gr<span class=\"_ _0\"></span>oup h<span class=\"_ _0\"></span>as the a<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to freeze, redu<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>r wit<span class=\"_ _0\"></span>hdr<span class=\"_ _0\"></span>aw lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t as a way of man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ing a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ri<span class=\"_ _0\"></span>sk as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>tes wi<span class=\"_ _0\"></span>th S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d li<span class=\"_ _0\"></span>nes o<span class=\"_ _0\"></span>f cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span>Un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 9, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ired to p<span class=\"_ _0\"></span>rovide fo<span class=\"_ _0\"></span>r loa<span class=\"_ _0\"></span>ns me<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>red at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed co<span class=\"_ _0\"></span>st un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it lo<span class=\"_ _0\"></span>ss (\u201c<span class=\"_ _0\"></span>EC<span class=\"_ _0\"></span>L<span class=\"_ _5\"></span>\u201d) m<span class=\"_ _0\"></span>ode<span class=\"_ _0\"></span>l. T<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>irm<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>lated to ea<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>s bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the EC<span class=\"_ _0\"></span>Ls as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt of that l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e nex<span class=\"_ _0\"></span>t 12 months u<span class=\"_ _0\"></span>nl<span class=\"_ _0\"></span>ess t<span class=\"_ _0\"></span>here h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en a s<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>ncre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n cre<span class=\"_ _0\"></span>dit r<span class=\"_ _0\"></span>isk of t<span class=\"_ _0\"></span>hat l<span class=\"_ _0\"></span>oan s<span class=\"_ _0\"></span>inc<span class=\"_ _0\"></span>e or<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>inat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>. The b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow facto<span class=\"_ _0\"></span>rs are u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in est<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g the i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt:<span class=\"_ _2d6\"> </span><table class=\"s w3f4 hbf\" id=\"_95010ed9-c655-40c4-ab62-241804d7a9df\"><tr><td class=\"c n x1c5 y2a7a w3f5 h91\"><div class=\"t m0 x1ba ha y27b5 ff5 fs6 fc5 sc0 lsd5 wscc\">Fact<span class=\"_ _1\"></span>or<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x790 y2a7a w3f6 h91\"><div class=\"t m0 x1ba ha y27b5 ff5 fs6 fc5 sc0 lsd5 wscc\">Description<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2a7b ff4 fs6 fc5 sc0 ls2 ws2\">Prob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of </td><td class=\"t m0 x791 hd y2a7b ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed P<span class=\"_ _0\"></span>D mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls ta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ore<span class=\"_ _0\"></span>d to eac<span class=\"_ _0\"></span>h T<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>m Loan o<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>ct to as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>e </td></tr><tr><td class=\"t m0 x256 hd y2a7c ff4 fs6 fc5 sc0 ls2 ws2\">Defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t (\u201c<span class=\"_ _0\"></span>PD<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x791 hd y2a7c ff4 fs6 fc5 sc0 ls2 ws2\">li<span class=\"_ _0\"></span>keli<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>od of d<span class=\"_ _0\"></span>efau<span class=\"_ _0\"></span>lt wi<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>e nex<span class=\"_ _0\"></span>t 12 mont<span class=\"_ _0\"></span>hs an<span class=\"_ _0\"></span>d over th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>fetim<span class=\"_ _0\"></span>e. Th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ate PD bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a7d ff4 fs6 fc5 sc0 ls2 ws2\">latest p<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>avio<span class=\"_ _0\"></span>ur of th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>stom<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s and o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ved h<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l tre<span class=\"_ _0\"></span>nds<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e PD mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>l als<span class=\"_ _0\"></span>o in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>es an </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a7e ff4 fs6 fc5 sc0 ls2 ws2\">est<span class=\"_ _0\"></span>imate of t<span class=\"_ _0\"></span>he fu<span class=\"_ _0\"></span>ture m<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>roe<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>c ef<span class=\"_ _0\"></span>fect.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2a7f ff4 fs6 fc5 sc0 ls2 ws2\">Exp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ure at </td><td class=\"t m0 x791 hd y2a7f ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>n E<span class=\"_ _0\"></span>AD m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>del fo<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>cts to as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>ss th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>kely exp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ure at d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t. </td></tr><tr><td class=\"t m0 x256 hd y2a80 ff4 fs6 fc5 sc0 ls2 ws2\">Defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t (\u201c<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>\u201d) </td><td class=\"t m0 x791 hd y2a80 ff4 fs6 fc5 sc0 ls2 ws2\">The m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>lates e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mates of E<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>D bas<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e latest p<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>avio<span class=\"_ _0\"></span>ur of th<span class=\"_ _0\"></span>e cu<span class=\"_ _0\"></span>stom<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a81 ff4 fs6 fc5 sc0 ls2 ws2\">li<span class=\"_ _0\"></span>mit u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on, a<span class=\"_ _0\"></span>nd a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>ly<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g a cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>onve<span class=\"_ _0\"></span>rsi<span class=\"_ _0\"></span>on fa<span class=\"_ _0\"></span>ctor a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roa<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2a82 ff4 fs6 fc5 sc0 lsd4 wscb\">Los<span class=\"_ _0\"></span>s Gi<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span>n </td><td class=\"t m0 x791 hd y2a82 ff4 fs6 fc5 sc0 ls2 ws2\">The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s devel<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>ed LGD m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>s tai<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>red to ea<span class=\"_ _0\"></span>ch T<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>rm Lo<span class=\"_ _0\"></span>an or l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t pro<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>ct to ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s the l<span class=\"_ _0\"></span>ike<span class=\"_ _0\"></span>ly </td></tr><tr><td class=\"t m0 x256 hd y2a83 ff4 fs6 fc5 sc0 lsca wsc2\">Def<span class=\"_ _1\"></span>ault (\u201cL<span class=\"_ _1\"></span>GD\u201d)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x791 hd y2a83 ff4 fs6 fc5 sc0 ls2 ws2\">fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s give<span class=\"_ _0\"></span>n an a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>ount d<span class=\"_ _0\"></span>efau<span class=\"_ _0\"></span>lts<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>ls ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ate esti<span class=\"_ _0\"></span>mates of LGD b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on h<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l data o<span class=\"_ _0\"></span>n </td></tr><tr><td></td><td class=\"t m0 x791 hd y2a84 ff4 fs6 fc5 sc0 ls1e ws26\">observed reco<span class=\"_ _1\"></span>veries against de<span class=\"_ _1\"></span>faulted accoun<span class=\"_ _1\"></span>ts.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y28fd w3f7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt r<span class=\"_ _0\"></span>ate<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x792 y28fd w3f8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p us<span class=\"_ _0\"></span>es ac<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>unt-l<span class=\"_ _0\"></span>evel ef<span class=\"_ _0\"></span>fect<span class=\"_ _0\"></span>ive inte<span class=\"_ _0\"></span>rest r<span class=\"_ _0\"></span>ate whi<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ated bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unt o<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x791 hd y2a85 ff4 fs6 fc5 sc0 ls2 ws2\">lo<span class=\"_ _0\"></span>an a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt, i<span class=\"_ _0\"></span>nteres<span class=\"_ _0\"></span>t and fe<span class=\"_ _0\"></span>es, exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ted rep<span class=\"_ _0\"></span>aym<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng pr<span class=\"_ _0\"></span>e-<span class=\"_ _0\"></span>paym<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d term<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr></table>Significant increa<span class=\"_ _1\"></span>se in credit risk: The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>ere ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en a si<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ica<span class=\"_ _0\"></span>nt in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se in c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ri<span class=\"_ _0\"></span>sk if t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan o<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>ne of cre<span class=\"_ _0\"></span>dit i<span class=\"_ _0\"></span>s overdu<span class=\"_ _0\"></span>e, or if th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>ne of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t has b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n frozen due to id<span class=\"_ _0\"></span>entif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>on of r<span class=\"_ _0\"></span>isk f<span class=\"_ _0\"></span>rom so<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>es su<span class=\"_ _0\"></span>ch as b<span class=\"_ _0\"></span>ure<span class=\"_ _0\"></span>au data i<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ey have be<span class=\"_ _0\"></span>com<span class=\"_ _0\"></span>e overdu<span class=\"_ _0\"></span>e on a th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y de<span class=\"_ _0\"></span>bt for examp<span class=\"_ _0\"></span>le, or i<span class=\"_ _0\"></span>f the b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rower i<span class=\"_ _0\"></span>s late on an<span class=\"_ _0\"></span>oth<span class=\"_ _0\"></span>er FC pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t. A ba<span class=\"_ _0\"></span>cks<span class=\"_ _0\"></span>top is ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d for any ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts o<span class=\"_ _0\"></span>n the l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent excee<span class=\"_ _0\"></span>d 30 days, i<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>ne wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e rebu<span class=\"_ _0\"></span>tt<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e pre<span class=\"_ _0\"></span>sum<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n pe<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9.For<span class=\"_ _1\"></span>ecast period<span class=\"_ _1\"></span>: We esti<span class=\"_ _0\"></span>mate PD, EA<span class=\"_ _0\"></span>D and LGD for t<span class=\"_ _0\"></span>he du<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>fetime of t<span class=\"_ _0\"></span>he T<span class=\"_ _1\"></span>erm Lo<span class=\"_ _0\"></span>an or l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>. T<span class=\"_ _5\"></span>e<span class=\"_ _0\"></span>rm Loans u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>e the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al ter<span class=\"_ _0\"></span>m of the T<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>m Loan<span class=\"_ _0\"></span>. For l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit, t<span class=\"_ _0\"></span>he du<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>he li<span class=\"_ _0\"></span>fetime i<span class=\"_ _0\"></span>s est<span class=\"_ _0\"></span>imated to b<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ive ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Def<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of defa<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t: The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es a defau<span class=\"_ _0\"></span>lt, c<span class=\"_ _0\"></span>las<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ed wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n no<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g, as a l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt wit<span class=\"_ _0\"></span>h any out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts exceed<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g a 90<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>day du<span class=\"_ _0\"></span>e date, whi<span class=\"_ _0\"></span>ch ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cts th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>int at wh<span class=\"_ _0\"></span>ich t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>dere<span class=\"_ _0\"></span>d to be cre<span class=\"_ _0\"></span>dit-im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ired<span class=\"_ _0\"></span>. In s<span class=\"_ _0\"></span>ome c<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>ums<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>ces w<span class=\"_ _0\"></span>here l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are b<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ght b<span class=\"_ _0\"></span>ack by t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup, th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>set as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iated w<span class=\"_ _0\"></span>ith the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e meet<span class=\"_ _0\"></span>s the d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>ion of p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>r or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nated c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t-imp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>red (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>PO<span class=\"_ _0\"></span>CI<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>); this e<span class=\"_ _0\"></span>lem<span class=\"_ _0\"></span>ent of th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent is th<span class=\"_ _0\"></span>erefore b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on l<span class=\"_ _0\"></span>ifetim<span class=\"_ _0\"></span>e ECLs<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>Lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit u<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e sam<span class=\"_ _0\"></span>e defa<span class=\"_ _0\"></span>ult d<span class=\"_ _0\"></span>efi<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n and p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of defa<span class=\"_ _0\"></span>ult u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er I<span class=\"_ _0\"></span>FRS 9; however<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>hey are a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n 12<span class=\"_ _1\"></span>-m<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>h prob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t at the over<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>l avail<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e li<span class=\"_ _0\"></span>ne of cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t level, e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e expec<span class=\"_ _0\"></span>ted uti<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sati<span class=\"_ _0\"></span>on of the l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e of cred<span class=\"_ _0\"></span>it at th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of defau<span class=\"_ _0\"></span>lt. T<span class=\"_ _0\"></span>he expe<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>s im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciate<span class=\"_ _0\"></span>d with u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>rawn li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t is di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies i<span class=\"_ _0\"></span>n note 15 and i<span class=\"_ _0\"></span>n note 27<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ded PP<span class=\"_ _0\"></span>P loa<span class=\"_ _0\"></span>ns fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e use of th<span class=\"_ _0\"></span>e PPPLF<span class=\"_ _1\"></span>. The l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns were gu<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>antee<span class=\"_ _0\"></span>d by the U<span class=\"_ _0\"></span>S govern<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in th<span class=\"_ _0\"></span>e event of defau<span class=\"_ _0\"></span>lt a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>ans wer<span class=\"_ _0\"></span>e antic<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>ated to be forg<span class=\"_ _0\"></span>iven<span class=\"_ _0\"></span>. At the po<span class=\"_ _0\"></span>int of d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t and subs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>nt col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e gu<span class=\"_ _0\"></span>ara<span class=\"_ _0\"></span>ntee or p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nt of forgive<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, th<span class=\"_ _0\"></span>e lo<span class=\"_ _0\"></span>an an<span class=\"_ _0\"></span>d the re<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ive bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he PPPLF we<span class=\"_ _0\"></span>re exti<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>uis<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>d. S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t als<span class=\"_ _0\"></span>o in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns whi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n bo<span class=\"_ _0\"></span>ught b<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k from investor<span class=\"_ _0\"></span>s wit<span class=\"_ _0\"></span>h the i<span class=\"_ _0\"></span>ntentio<span class=\"_ _0\"></span>n of col<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows<span class=\"_ _0\"></span>. Lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>s \u00a397<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a350.0 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) of drawn a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts th<span class=\"_ _0\"></span>roug<span class=\"_ _0\"></span>h th<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t net of ex<span class=\"_ _1\"></span>pected<span class=\"_ _1\"></span> credit<span class=\"_ _1\"></span> loss impairmen<span class=\"_ _1\"></span>t.<span class=\"_ _2d6\"> </span>The g<span class=\"_ _0\"></span>ross p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ipa<span class=\"_ _0\"></span>l val<span class=\"_ _0\"></span>ue of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at am<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>tised c<span class=\"_ _0\"></span>ost is \u00a3<span class=\"_ _0\"></span>11.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a321.4 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and dr<span class=\"_ _0\"></span>awn li<span class=\"_ _0\"></span>nes of cre<span class=\"_ _0\"></span>dit is \u00a3<span class=\"_ _0\"></span>110.0 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a355.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _1\"></span>, tota<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing \u00a3<span class=\"_ _0\"></span>121.3 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (2023<span class=\"_ _1\"></span>: \u00a3<span class=\"_ _0\"></span>76.8 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on), and an a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ses of \u00a39.<span class=\"_ _0\"></span>2 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a314.7 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and \u00a312.9 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a35.4 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) resp<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ively, t<span class=\"_ _1\"></span>ota<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ing \u00a322.<span class=\"_ _1\"></span>1 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a320.<span class=\"_ _1\"></span>1 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on)<span class=\"_ _1\"></span>, i<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst th<span class=\"_ _0\"></span>ese l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d draw<span class=\"_ _0\"></span>n li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t as deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>An i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge of \u00a37<span class=\"_ _5\"></span>.0 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: impa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ment c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge of \u00a33.3 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) was rec<span class=\"_ _0\"></span>ogn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsive i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>me i<span class=\"_ _0\"></span>n the ye<span class=\"_ _0\"></span>ar to 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in (p<span class=\"_ _0\"></span>rovis<span class=\"_ _0\"></span>ion)/credit for exp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he inc<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ent re<span class=\"_ _0\"></span>lated to draw<span class=\"_ _0\"></span>n lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t and S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E loa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>ost.<span class=\"_ _2d6\"> </span>Addi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>n expe<span class=\"_ _0\"></span>cted cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>s im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent c<span class=\"_ _0\"></span>harg<span class=\"_ _0\"></span>e was re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed re<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ing to un<span class=\"_ _0\"></span>dr<span class=\"_ _0\"></span>awn Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t of \u00a31.3 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (31 Dece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023: \u00a31.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) and an exp<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>air<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge of \u00a3n<span class=\"_ _0\"></span>il (31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023: cre<span class=\"_ _0\"></span>dit of \u00a30.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) related to th<span class=\"_ _0\"></span>e loa<span class=\"_ _0\"></span>n rep<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d an exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it lo<span class=\"_ _0\"></span>ss i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt cha<span class=\"_ _0\"></span>rge re<span class=\"_ _0\"></span>lated to op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al b<span class=\"_ _0\"></span>uyb<span class=\"_ _0\"></span>acks of \u00a30.<span class=\"_ _0\"></span>4 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3nil) were re<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>sed a<span class=\"_ _0\"></span>s detai<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d in n<span class=\"_ _0\"></span>otes 15 and 27<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ba<span class=\"_ _0\"></span>nds ea<span class=\"_ _0\"></span>ch l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n investm<span class=\"_ _0\"></span>ent at o<span class=\"_ _0\"></span>rig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n usi<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>n inter<span class=\"_ _0\"></span>nal r<span class=\"_ _0\"></span>isk r<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng an<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>ses c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>ses o<span class=\"_ _0\"></span>n a co<span class=\"_ _0\"></span>lle<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve por<span class=\"_ _2\"></span>tfoli<span class=\"_ _0\"></span>o bas<span class=\"_ _0\"></span>is by pro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>t. C<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ris<span class=\"_ _0\"></span>k gr<span class=\"_ _0\"></span>ade<span class=\"_ _0\"></span>s are n<span class=\"_ _0\"></span>ot repo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ted to ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent on a<span class=\"_ _0\"></span>n on<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>ing b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s and t<span class=\"_ _0\"></span>he on<span class=\"_ _0\"></span>ly bo<span class=\"_ _0\"></span>rrowe<span class=\"_ _0\"></span>r sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic infor<span class=\"_ _0\"></span>mat<span class=\"_ _0\"></span>ion t<span class=\"_ _0\"></span>hat is p<span class=\"_ _0\"></span>rodu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d use<span class=\"_ _0\"></span>d is pa<span class=\"_ _0\"></span>st du<span class=\"_ _0\"></span>e status<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>ere is n<span class=\"_ _0\"></span>o sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of<span class=\"_ _1\"></span> credit ri<span class=\"_ _1\"></span>sk to<span class=\"_ _1\"></span> specific indu<span class=\"_ _1\"></span>stries or<span class=\"_ _1\"></span> geographical r<span class=\"_ _1\"></span>egions.<span class=\"_ _2d6\"> </span><table class=\"s w3f9 hc0\" id=\"_105c04c7-ec11-4c2c-b118-bba9113016ad\"><tr><td></td><td class=\"t m0 x2a9 h35 y2a86 ff4 fs19 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x793 h35 y2a86 ff4 fs19 fc5 sc0 ls153 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 2<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x424 h35 y2a86 ff4 fs19 fc5 sc0 ls153 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x68a h35 y2a87 ff4 fs19 fc5 sc0 lsc4 ws14c\">Per<span class=\"_ _0\"></span>formin<span class=\"_ _0\"></span>g:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x794 h35 y2a87 ff4 fs19 fc5 sc0 ls137 ws132\">Underperforming:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x795 h35 y2a87 ff4 fs19 fc5 sc0 lsf2 wseb\">Non-performing:<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x381 h35 y2a87 ff4 fs19 fc5 sc0 ls159 ws157\">POCI:<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x796 h35 y2a88 ff4 fs19 fc5 sc0 ls17a ws17b\">12-<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x797 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x798 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x799 h35 y2a88 ff4 fs19 fc5 sc0 ls2 ws2\">Li<span class=\"_ _0\"></span>feti<span class=\"_ _0\"></span>me E<span class=\"_ _0\"></span>CL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2a88 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2a89 ff5 fs6 fc5 sc0 lsd5 wscc\">Reconciliation o<span class=\"_ _1\"></span>f opening to<span class=\"_ _1\"></span> closing ECL<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x68f h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b9 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2a89 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a8a w3fa h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79a y2a8b w3fb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79b y2a8b w326 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79c y2a8b w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79d y2a8b w3fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79e y2a8b w3fd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">16.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8c w3fe h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls80 ws14\">Impairment<span class=\"_ _1\"></span> against ne<span class=\"_ _1\"></span>w lending and<span class=\"_ _1\"></span> purchased<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x79f y2a8c w3ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls88 ws84\">12<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a0 y2a8c w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x606 y2a8c w1b1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a1 y2a8c w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a2 y2a8c w400 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8d w2ff h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2a8d w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x603 y2a8d w240 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a3 y2a8d w401 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lse3 wsdc\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a8e w402 h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>st lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls103 wsfc\">stages<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6a8 y2a8e w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a4 y2a8e w272 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a5 y2a8e w403 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x555 y2a8e w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a6 y2a8e w230 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a8f w404 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Loans<span class=\"_ _1\"></span> repaid<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a7 y2a8f w405 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a8 y2a8f w1c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a9 y2a8f w39b h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7aa y2a8f w406 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">(0.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x1c9 y2a8f w407 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(<span class=\"_ _0\"></span>11.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a90 ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss g<span class=\"_ _0\"></span>iven </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a91 w408 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">def<span class=\"_ _1\"></span>ault assump<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ab y2a91 w409 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(1.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ac y2a91 w39c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ad y2a91 we7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ae y2a91 w397 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7af y2a91 w30f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(0<span class=\"_ _0\"></span>.3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a92 w40a h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b0 y2a93 w40b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b1 y2a93 w274 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">1.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b2 y2a93 w40c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">3<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3f0 y2a93 w40d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4e6 y2a93 w40e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a94 w3fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls80 ws14\">Impairment<span class=\"_ _1\"></span> against ne<span class=\"_ _1\"></span>w lending and<span class=\"_ _1\"></span> purchased<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b3 y2a95 w40f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">12<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b4 y2a95 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3ba y2a95 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5ac y2a95 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b5 y2a95 w410 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">12<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a96 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x600 y2a97 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x601 y2a97 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b6 y2a97 w411 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _2\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b7 y2a97 w51 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>0.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b8 y2a97 w259 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a98 w402 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>st lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>d bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">stages<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7b9 y2a99 w412 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ba y2a99 w413 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls103 wsfc\">3.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bb y2a99 w414 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bc y2a99 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bd y2a99 w415 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a9a w404 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Loans<span class=\"_ _1\"></span> repaid<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a7 y2a9b w416 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(11<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7be y2a9b w417 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7bf y2a9b w259 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c0 y2a9b w418 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">(0.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c1 y2a9b w247 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd6 wscd\">(15.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2852 w419 h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls13 ws12\">Impairmen<span class=\"_ _1\"></span>t prov<span class=\"_ _1\"></span>ision der<span class=\"_ _1\"></span>ecognised rel<span class=\"_ _1\"></span>ated<span class=\"_ _1\"></span> to<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">wr<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ten of<span class=\"_ _0\"></span>f lo<span class=\"_ _0\"></span>ans<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c2 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c3 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c4 y2a9c w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c5 y2a9c w1ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c6 y2a9c w51 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2a9d ff4 fs6 fc5 sc0 ls2 ws2\">Ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in p<span class=\"_ _0\"></span>rob<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of defau<span class=\"_ _0\"></span>lt o<span class=\"_ _0\"></span>r lo<span class=\"_ _0\"></span>ss g<span class=\"_ _0\"></span>iven </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a9e w408 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">def<span class=\"_ _1\"></span>ault assump<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c7 y2a9f w32d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c8 y2a9f w79 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7c9 y2a9f w41a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ca y2a9f w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cb y2a9f w41b h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0.5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2aa0 ff4 fs6 fc5 sc0 ls2 ws2\">De<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iated w<span class=\"_ _0\"></span>ith a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a3f w41c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">of<span class=\"_ _1\"></span> discontin<span class=\"_ _1\"></span>ued operation<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cc y2aa1 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cd y2aa1 w105 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ce y2aa1 w1b0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7cf y2aa1 w41d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d0 y2aa1 w41e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x622 y27eb w31 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls15 ws14\">2.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a4 y27eb wb0 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsff wsf8\">1.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d1 y27eb w161 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">9.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d2 y27eb w41f h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls7e ws7a\">8<span class=\"_ _0\"></span>.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7d3 y27eb w420 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w421 hc1\" id=\"_de55c40e-747f-4cfe-a54d-d735a431617d\"><tr><td></td><td></td><td></td><td class=\"t m1 x7d4 h35 y2aa2 ff4 fs19 fc5 sc0 lsd9 wsd0\">Gross<span class=\"_ _1\"></span> lines<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x7d5 h35 y2aa3 ff4 fs19 fc5 sc0 ls2 ws2\">of cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x7d6 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>s for<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x6c0 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x561 h35 y2aa4 ff4 fs19 fc5 sc0 ls2 ws2\">Prov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7d7 h35 y2aa5 ff4 fs19 fc5 sc0 lscf wsc6\">Expect<span class=\"_ _1\"></span>ed credit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d8 h35 y2aa5 ff4 fs19 fc5 sc0 lse4 wsdd\">recognition o<span class=\"_ _1\"></span>f<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d5 h35 y2aa5 ff4 fs19 fc5 sc0 lsf1 wsea\">at amortised<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d9 h35 y2aa5 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7da h35 y2aa5 ff4 fs19 fc5 sc0 lsd0 wsc7\">Net carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7db h35 y2aa6 ff4 fs19 fc5 sc0 ls106 wsff\">lo<span class=\"_ _0\"></span>ss cove<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2aa6 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted cr<span class=\"_ _1\"></span>edit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dd h35 y2aa6 ff4 fs19 fc5 sc0 ls3e ws3f\">cost<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5eb h35 y2aa6 ff4 fs19 fc5 sc0 ls2 ws2\">cre<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7de h35 y2aa6 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7df h35 y2aa7 ff4 fs19 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2aa7 ff4 fs19 fc5 sc0 lsd1 wsc8\">loss impairmen<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5ef h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x254 h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x255 h35 y2aa7 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 ha y2aa8 ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2aa9 w422 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e0 y2aa9 wdf h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e1 y2aa9 w423 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">12-mo<span class=\"_ _0\"></span>nth EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e2 y2aa9 w424 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">55.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e3 y2aa9 w425 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1<span class=\"_ _0\"></span>.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e4 y2aa9 w426 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">54.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aaa w427 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e5 y2aaa w371 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e6 y2aaa w428 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e7 y2aaa w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e8 y2aaa w429 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e9 y2aaa w274 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y284e w42a h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ea y284e w42b h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">86.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7eb y284e w428 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ec y284e wb7 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ed y284e w2a7 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ee y284e w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aab w42c h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">PO<span class=\"_ _0\"></span>CI (9<span class=\"_ _0\"></span>0+ days overd<span class=\"_ _0\"></span>ue)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ef y2aab w42d h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">93.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f0 y2aab w42e h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime<span class=\"_ _1\"></span> ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f1 y2aab w11e h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f2 y2aab w42f h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls10d ws106\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5a6 y2aab w190 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f3 y2a3a w430 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls175 ws176\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f4 y2a3a w431 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls52 ws50\">76.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f5 y2a3a w432 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f6 y2a3a w433 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">56<span class=\"_ _0\"></span>.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m1 x256 ha y2aac ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2aad w422 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f7 y2aae w30 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">2<span class=\"_ _0\"></span>.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f8 y2aae w434 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">12-<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f9 y2aae w435 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fa y2aae w436 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fb y2aae w437 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd2 wsc9\">96.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w427 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fc y2aaf w438 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">43.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fd y2aaf w439 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7fe y2aaf w43a h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">3.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7ff y2aaf w43b h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x800 y2aaf w360 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w42a h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x801 y2ab0 w43c h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">90.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x802 y2ab0 w43d h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x803 y2ab0 w43e h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">10.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x804 y2ab0 w43f h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x805 y2ab0 w230 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2ab1 w440 h90\"><div class=\"t m1 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x806 y2ab2 w441 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">98.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x807 y2ab2 w442 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetim<span class=\"_ _0\"></span>e ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x808 y2ab2 w443 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x809 y2ab2 w79 h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80a y2ab2 wea h91\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80b y27eb w444 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17b ws17c\">To<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80c y27eb w445 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd4 wscb\">121.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80d y27eb w9a h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x80e y27eb w446 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w421 hc2\" id=\"_22048104-2952-4c04-8f83-9d40322778ae\"><tr><td></td><td></td><td class=\"t m1 x7d6 h35 y2ab3 ff4 fs19 fc5 sc0 ls2 ws2\">Ba<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>s for<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m1 x561 h35 y2ab3 ff4 fs19 fc5 sc0 ls2 ws2\">Prov<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7d7 h35 y2ab4 ff4 fs19 fc5 sc0 lscf wsc6\">Expect<span class=\"_ _1\"></span>ed credit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d8 h35 y2ab4 ff4 fs19 fc5 sc0 lse4 wsdd\">recognition o<span class=\"_ _1\"></span>f<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d4 h35 y2ab4 ff4 fs19 fc5 sc0 lsd9 wsd0\">Gross<span class=\"_ _1\"></span> lines<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7d9 h35 y2ab4 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7da h35 y2ab4 ff4 fs19 fc5 sc0 lsd0 wsc7\">Net carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m1 x7db h35 y2ab5 ff4 fs19 fc5 sc0 ls106 wsff\">lo<span class=\"_ _0\"></span>ss cove<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2ab5 ff4 fs19 fc5 sc0 lscf wsc6\">expec<span class=\"_ _1\"></span>ted cr<span class=\"_ _1\"></span>edit<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x80f h35 y2ab5 ff4 fs19 fc5 sc0 ls2 ws2\">of cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5eb h35 y2ab5 ff4 fs19 fc5 sc0 ls2 ws2\">cre<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>it l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7de h35 y2ab5 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 h35 y2ab6 ff4 fs19 fc5 sc0 ls2 ws2\">Of w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch i<span class=\"_ _0\"></span>s dr<span class=\"_ _0\"></span>awn F<span class=\"_ _0\"></span>lex<span class=\"_ _0\"></span>iP<span class=\"_ _0\"></span>ay li<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7df h35 y2ab6 ff4 fs19 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x7dc h35 y2ab6 ff4 fs19 fc5 sc0 lsd1 wsc8\">loss impairmen<span class=\"_ _1\"></span>t<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x5ef h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x254 h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m1 x255 h35 y2ab6 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m1 x256 ha y2ab7 ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2ab8 w422 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e0 y2ab8 w447 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls33 ws34\">2.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x810 y2ab8 w448 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">12-mo<span class=\"_ _0\"></span>nth EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x811 y2ab8 w1e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">5<span class=\"_ _0\"></span>0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x812 y2ab8 w449 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x813 y2ab8 w44a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">48.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aaa w427 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7e5 y2aaa w44b h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls128 ws14a\">52<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x814 y2aaa w44c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Lif<span class=\"_ _1\"></span>etime E<span class=\"_ _1\"></span>CL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x815 y2aaa w169 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x816 y2aaa w349 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x817 y2aaa w190 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y284e w42a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x818 y284e w44d h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">93.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x819 y284e w44e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Lifetim<span class=\"_ _1\"></span>e ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81a y284e w127 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">3.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81b y284e w1f9 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81c y284e w20e h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2ab9 w440 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81d y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81e y2ab9 w44f h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Life<span class=\"_ _1\"></span>time ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x81f y2ab9 w28 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x77a y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x820 y2ab9 w1c h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f3 y2a3a w430 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls175 ws176\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x821 y2a3a w13a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">55<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x822 y2a3a w450 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(5.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x823 y2a3a w371 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">50.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m1 x256 ha y2aba ff6 fs6 fc5 sc0 ls2 ws2\">As at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2a3c w422 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 1 \u2013 Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ing<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f7 y2abb w30 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">2<span class=\"_ _0\"></span>.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7f8 y2abb w434 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">12-<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span> EC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x824 y2abb w451 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x825 y2abb w452 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(2<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x826 y2abb w453 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">94.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w427 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Stage 2<span class=\"_ _1\"></span> \u2013 Underperforming<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x827 y2aaf w438 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">43.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x828 y2aaf w43d h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Lifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x829 y2aaf w43a h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">3.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82a y2aaf w43b h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82b y2aaf w388 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w42a h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">St<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e 3 \u2013 No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ng<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82c y2ab0 w454 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">89.<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82d y2ab0 w455 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">L<span class=\"_ _0\"></span>ifetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82e y2ab0 w456 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">9.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x82f y2ab0 w457 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x830 y2ab0 w230 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w440 h94\"><div class=\"t m1 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd5 wscc\">POCI<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x831 y2aa1 w105 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x832 y2aa1 w458 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">Li<span class=\"_ _0\"></span>fetime ECL<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x602 y2aa1 w1c h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x833 y2aa1 w28 h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x834 y2aa1 w1c h93\"><div class=\"t m1 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80b y27eb w444 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17b ws17c\">To<span class=\"_ _2\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x835 y27eb w3b2 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">110.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x836 y27eb w459 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd4 wscb\">(<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x837 y27eb wbe h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">9<span class=\"_ _2\"></span>7.1<span class=\"_ _2d6\"> </span></div></td></tr></table>The r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k and f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ce fu<span class=\"_ _0\"></span>nct<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p mo<span class=\"_ _0\"></span>nitor t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce of t<span class=\"_ _0\"></span>he Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it an<span class=\"_ _0\"></span>d SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>cul<span class=\"_ _0\"></span>ate the EC<span class=\"_ _0\"></span>L esti<span class=\"_ _0\"></span>mate req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>red for f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e teams re<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t to the Chi<span class=\"_ _0\"></span>ef Fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l Of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er (<span class=\"_ _0\"></span>\u201cC<span class=\"_ _0\"></span>FO\u201d<span class=\"_ _0\"></span>) an<span class=\"_ _0\"></span>d Ch<span class=\"_ _0\"></span>ief R<span class=\"_ _0\"></span>isk O<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>r (\u201c<span class=\"_ _0\"></span>CRO<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>). Disc<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns of est<span class=\"_ _0\"></span>imates p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>es an<span class=\"_ _0\"></span>d res<span class=\"_ _0\"></span>ults a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld regularly<span class=\"_ _1\"></span> at Balance Shee<span class=\"_ _1\"></span>t Management<span class=\"_ _1\"></span> and Impairment and<span class=\"_ _1\"></span> Valua<span class=\"_ _1\"></span>tion Committee<span class=\"_ _1\"></span> meetings along<span class=\"_ _1\"></span> with regular<span class=\"_ _1\"></span> updat<span class=\"_ _1\"></span>es provi<span class=\"_ _0\"></span>ded to th<span class=\"_ _0\"></span>e Aud<span class=\"_ _0\"></span>it C<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tee.<span class=\"_ _2d6\"> </span>Forward<span class=\"_ _1\"></span>-looking inf<span class=\"_ _1\"></span>ormation<span class=\"_ _1\"></span> and scen<span class=\"_ _1\"></span>arios: The a<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>owanc<span class=\"_ _0\"></span>e for expe<span class=\"_ _0\"></span>cted c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s requ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d est<span class=\"_ _0\"></span>imat<span class=\"_ _0\"></span>ion to as<span class=\"_ _0\"></span>ses<span class=\"_ _0\"></span>s in<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>dua<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>ans o<span class=\"_ _0\"></span>r wh<span class=\"_ _0\"></span>en ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g stat<span class=\"_ _0\"></span>isti<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l mo<span class=\"_ _0\"></span>del<span class=\"_ _0\"></span>s for co<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ive ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>ast expe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>e of his<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>cal d<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>que<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss t<span class=\"_ _0\"></span>rend<span class=\"_ _0\"></span>s, as wel<span class=\"_ _0\"></span>l as for<span class=\"_ _0\"></span>wa<span class=\"_ _0\"></span>rd-<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>ok<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g infor<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>n the for<span class=\"_ _0\"></span>m of ma<span class=\"_ _0\"></span>croe<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic s<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>ios gover<span class=\"_ _0\"></span>ned by a<span class=\"_ _0\"></span>n im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>tee, whi<span class=\"_ _0\"></span>ch c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>rs ma<span class=\"_ _0\"></span>cro<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>c forec<span class=\"_ _0\"></span>ast<span class=\"_ _0\"></span>s suc<span class=\"_ _0\"></span>h as ch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ges i<span class=\"_ _0\"></span>n interes<span class=\"_ _0\"></span>t rates, GD<span class=\"_ _0\"></span>P an<span class=\"_ _0\"></span>d inf<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red for i<span class=\"_ _0\"></span>nco<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n into sc<span class=\"_ _0\"></span>ena<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>os an<span class=\"_ _0\"></span>d prob<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty we<span class=\"_ _0\"></span>ighted<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>se sc<span class=\"_ _0\"></span>ena<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>os are uti<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed to de<span class=\"_ _0\"></span>rive a d<span class=\"_ _0\"></span>efaul<span class=\"_ _0\"></span>t stres<span class=\"_ _0\"></span>s mu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>r in th<span class=\"_ _0\"></span>e uns<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>sed P<span class=\"_ _0\"></span>D proj<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>hed f<span class=\"_ _0\"></span>rom h<span class=\"_ _0\"></span>istor<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>al expe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce<span class=\"_ _2d6\"> </span>.<span class=\"_ _2d6\"> </span>Key chan<span class=\"_ _0\"></span>ges to sc<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>os us<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n 202<span class=\"_ _1\"></span>4: Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s moved away fro<span class=\"_ _0\"></span>m usi<span class=\"_ _0\"></span>ng ma<span class=\"_ _0\"></span>cro<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>c sce<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>s der<span class=\"_ _0\"></span>ived f<span class=\"_ _0\"></span>rom US m<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>roe<span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>ic dat<span class=\"_ _0\"></span>a (pr<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>ly G<span class=\"_ _0\"></span>DP w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h co<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>lated we<span class=\"_ _0\"></span>ll to US ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e of<span class=\"_ _0\"></span>f rates) toward a focus o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e UK ma<span class=\"_ _0\"></span>cro e<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mic d<span class=\"_ _0\"></span>ata al<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g wit<span class=\"_ _0\"></span>h the d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>osa<span class=\"_ _0\"></span>l of the U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>. UK<span class=\"_ _1\"></span>-<span class=\"_ _0\"></span>spe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c forec<span class=\"_ _0\"></span>ast d<span class=\"_ _0\"></span>ata was obta<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed fro<span class=\"_ _0\"></span>m a th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y ec<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>omi<span class=\"_ _0\"></span>cs p<span class=\"_ _0\"></span>rovid<span class=\"_ _0\"></span>er for th<span class=\"_ _0\"></span>ree s<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>nar<span class=\"_ _0\"></span>ios; a b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ne, ups<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>e and d<span class=\"_ _0\"></span>owns<span class=\"_ _0\"></span>ide s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>io. A nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of data p<span class=\"_ _0\"></span>oi<span class=\"_ _0\"></span>nts were o<span class=\"_ _0\"></span>btai<span class=\"_ _0\"></span>ned a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red by Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng GD<span class=\"_ _0\"></span>P<span class=\"_ _5\"></span>, real e<span class=\"_ _0\"></span>state pr<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s, un<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyment r<span class=\"_ _0\"></span>ates, am<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>g othe<span class=\"_ _0\"></span>rs, h<span class=\"_ _0\"></span>owever une<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loym<span class=\"_ _0\"></span>ent he<span class=\"_ _0\"></span>ld t<span class=\"_ _0\"></span>he st<span class=\"_ _0\"></span>rong<span class=\"_ _0\"></span>est c<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to UK i<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>lven<span class=\"_ _0\"></span>cy rates an<span class=\"_ _0\"></span>d was deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d to be mo<span class=\"_ _0\"></span>re su<span class=\"_ _0\"></span>itab<span class=\"_ _0\"></span>le u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er stat<span class=\"_ _0\"></span>isti<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>l mo<span class=\"_ _0\"></span>del<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng tec<span class=\"_ _0\"></span>hn<span class=\"_ _0\"></span>iqu<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>. As a res<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t une<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loym<span class=\"_ _0\"></span>ent was u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d as a si<span class=\"_ _0\"></span>ngl<span class=\"_ _0\"></span>e fac<span class=\"_ _0\"></span>tor forec<span class=\"_ _0\"></span>ast i<span class=\"_ _0\"></span>np<span class=\"_ _0\"></span>ut for deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng sc<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>os ut<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d for PD stre<span class=\"_ _0\"></span>ss m<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>lie<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>. The s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ios u<span class=\"_ _0\"></span>sed we<span class=\"_ _0\"></span>re as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w45a hc3\" id=\"_2712c60a-f374-4fa8-a4fe-794b1cd29444\"><tr><td class=\"t m0 x21d hd y2abc ff4 fs6 fc5 sc0 ls13 ws12\">Macroeconomi<span class=\"_ _1\"></span>c driver<span class=\"_ _1\"></span>s <span class=\"ls2 ws2\"> </span></td><td></td><td class=\"t m0 x838 hd y2abc ff4 fs6 fc5 sc0 ls8a ws86\">2025<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x383 hd y2abc ff4 fs6 fc5 sc0 ls53 ws6d\">2026<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x839 hd y2abc ff4 fs6 fc5 sc0 ls34 ws35\">2027<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83a hd y2abc ff4 fs6 fc5 sc0 ls53 ws6d\">2028<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d hd y2abc ff4 fs6 fc5 sc0 lsd6 wscd\">2029<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2abd w45b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">(averag<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e fore<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>st yea<span class=\"_ _0\"></span>r)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x83b y2abd w45c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">ECL scenarios<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x73f hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73c hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83c hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83d hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83e hd y2abe ff4 fs6 fc5 sc0 ls2 ws2\">%<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a20 w45d h91\"><div class=\"t m0 x1ba hd y27a2 ff3 fs6 fc5 sc0 ls13 ws12\">Unemploymen<span class=\"_ _1\"></span>t rat<span class=\"_ _1\"></span>e %<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x83f y2a1f w45e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsc wsb\">Upside<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x840 y2a1f w260 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.97<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x841 y2a1f w1e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.65<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x842 y2a1f w45f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.62<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x843 y2a1f w460 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.6<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x629 y2a1f w461 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">3.64<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x417 y29b1 w462 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">Base case<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x844 y29b1 w463 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">4.40<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x845 y29b1 w464 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">4.31<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x846 y29b1 w465 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">4<span class=\"_ _0\"></span>.1<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x847 y29b1 w466 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4<span class=\"_ _0\"></span>.06<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x848 y29b1 w467 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">4.0<span class=\"_ _0\"></span>0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x849 y27eb w468 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">Dow<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84a y27eb w469 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">5<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84b y27eb w46a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">5.98<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84c y27eb w46b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">6.7<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84d y27eb w46c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">6.71<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x84e y27eb w136 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">6.4<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table>A sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ty to th<span class=\"_ _0\"></span>ese as<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>ons o<span class=\"_ _0\"></span>n the e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mated EC<span class=\"_ _0\"></span>L is dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n note 2.<span class=\"_ _2d6\"> </span>The n<span class=\"_ _0\"></span>ature of th<span class=\"_ _0\"></span>e stre<span class=\"_ _0\"></span>ss fore<span class=\"_ _0\"></span>cas<span class=\"_ _0\"></span>ts was l<span class=\"_ _0\"></span>ower tha<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>ose us<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n the p<span class=\"_ _0\"></span>revio<span class=\"_ _0\"></span>us yea<span class=\"_ _0\"></span>r whe<span class=\"_ _0\"></span>re the<span class=\"_ _0\"></span>re was a s<span class=\"_ _0\"></span>hif<span class=\"_ _0\"></span>t away from s<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ter<span class=\"_ _1\"></span>, s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r stre<span class=\"_ _0\"></span>ss fore<span class=\"_ _0\"></span>cas<span class=\"_ _0\"></span>t expec<span class=\"_ _0\"></span>tati<span class=\"_ _0\"></span>ons as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ciated w<span class=\"_ _0\"></span>ith s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rp i<span class=\"_ _0\"></span>nflat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n and s<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>ply c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>in is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>es to a more \u201c<span class=\"_ _0\"></span>tra<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal<span class=\"_ _2\"></span>\u201d grad<span class=\"_ _0\"></span>ual b<span class=\"_ _0\"></span>ut l<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ger l<span class=\"_ _0\"></span>ast<span class=\"_ _0\"></span>ing s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>s. I<span class=\"_ _0\"></span>n com<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>natio<span class=\"_ _0\"></span>n wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>is mo<span class=\"_ _0\"></span>re mute<span class=\"_ _0\"></span>d stres<span class=\"_ _0\"></span>s mu<span class=\"_ _0\"></span>lti<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ier d<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ived f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>e sce<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>rio<span class=\"_ _0\"></span>s FC shi<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ted its b<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>mar<span class=\"_ _0\"></span>k weig<span class=\"_ _0\"></span>hti<span class=\"_ _0\"></span>ng fro<span class=\"_ _0\"></span>m 70% base<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ne, 20% down<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>e, 10% ups<span class=\"_ _0\"></span>ide f<span class=\"_ _0\"></span>rom F<span class=\"_ _0\"></span>Y 2023 to 60% bas<span class=\"_ _0\"></span>eli<span class=\"_ _0\"></span>ne, 3<span class=\"_ _0\"></span>0% downs<span class=\"_ _0\"></span>ide a<span class=\"_ _0\"></span>nd 10% u<span class=\"_ _0\"></span>psi<span class=\"_ _0\"></span>de i<span class=\"_ _0\"></span>n 202<span class=\"_ _1\"></span>4 b<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>au<span class=\"_ _0\"></span>se in Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e\u2019s j<span class=\"_ _0\"></span>udg<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ent th<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>re subt<span class=\"_ _0\"></span>le dow<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t is mo<span class=\"_ _0\"></span>re pro<span class=\"_ _0\"></span>bab<span class=\"_ _0\"></span>le th<span class=\"_ _0\"></span>an t<span class=\"_ _0\"></span>he hi<span class=\"_ _0\"></span>ghe<span class=\"_ _0\"></span>r stre<span class=\"_ _0\"></span>ss us<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>ior yea<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>\u2019s s<span class=\"_ _0\"></span>cen<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ios hav<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ered p<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le we<span class=\"_ _0\"></span>ight<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>Cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t ri<span class=\"_ _0\"></span>sk as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>ted wi<span class=\"_ _0\"></span>th oth<span class=\"_ _0\"></span>er f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l as<span class=\"_ _0\"></span>sets<span class=\"_ _0\"></span>:<span class=\"_ _2d6\"> </span>SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss re<span class=\"_ _0\"></span>late to the u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g po<span class=\"_ _0\"></span>ol of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns fro<span class=\"_ _0\"></span>m the l<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>acy ware<span class=\"_ _0\"></span>hou<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>PVs that have si<span class=\"_ _0\"></span>nce b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d or novated i<span class=\"_ _0\"></span>nto other Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s, but r<span class=\"_ _0\"></span>ema<span class=\"_ _0\"></span>in he<span class=\"_ _0\"></span>ld at F<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>TPL wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess m<span class=\"_ _0\"></span>od<span class=\"_ _0\"></span>el of ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s for sa<span class=\"_ _0\"></span>le. Ad<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ly l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nated by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e intenti<span class=\"_ _0\"></span>on of se<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g onwar<span class=\"_ _0\"></span>ds are i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n thi<span class=\"_ _0\"></span>s categ<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>y.<span class=\"_ _2d6\"> </span>T<span class=\"_ _1\"></span>rade r<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt the i<span class=\"_ _0\"></span>nvoice<span class=\"_ _0\"></span>d am<span class=\"_ _0\"></span>ount<span class=\"_ _0\"></span>s in res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g fees du<span class=\"_ _0\"></span>e fro<span class=\"_ _0\"></span>m inst<span class=\"_ _0\"></span>itut<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>nal i<span class=\"_ _0\"></span>nvestors<span class=\"_ _0\"></span>. The r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>ss is d<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>med m<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ima<span class=\"_ _0\"></span>l be<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>use t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>unter<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are wel<span class=\"_ _0\"></span>l est<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>hed f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>stitu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>On<span class=\"_ _0\"></span>go<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it eval<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on is p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>d on t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l con<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of othe<span class=\"_ _0\"></span>r rece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s and, w<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re ap<span class=\"_ _0\"></span>pro<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>iate, a provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>n for expe<span class=\"_ _0\"></span>cted cr<span class=\"_ _0\"></span>edi<span class=\"_ _0\"></span>t los<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>orde<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts.<span class=\"_ _2d6\"> </span>Ot<span class=\"_ _0\"></span>her re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>les i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de net i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nt in s<span class=\"_ _0\"></span>ubl<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es of of<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ces re<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>nt valu<span class=\"_ _0\"></span>e of fut<span class=\"_ _0\"></span>ure su<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>ease paym<span class=\"_ _0\"></span>ents re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re app<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ate, impa<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt is rec<span class=\"_ _0\"></span>ord<span class=\"_ _0\"></span>ed wh<span class=\"_ _0\"></span>ere t<span class=\"_ _0\"></span>he rec<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e is i<span class=\"_ _0\"></span>n doubt<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>In<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>al ri<span class=\"_ _0\"></span>sk l<span class=\"_ _0\"></span>imi<span class=\"_ _0\"></span>ts for ba<span class=\"_ _0\"></span>nks a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns are s<span class=\"_ _0\"></span>et by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p wit<span class=\"_ _0\"></span>h referenc<span class=\"_ _0\"></span>e to exter<span class=\"_ _0\"></span>nal r<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g ag<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>ies<span class=\"_ _0\"></span>. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s tre<span class=\"_ _0\"></span>asu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y po<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>cy has s<span class=\"_ _0\"></span>et li<span class=\"_ _0\"></span>mits a<span class=\"_ _0\"></span>nd q<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>at the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p mus<span class=\"_ _0\"></span>t rema<span class=\"_ _0\"></span>in w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in. N<span class=\"_ _0\"></span>o cre<span class=\"_ _0\"></span>dit o<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>unter<span class=\"_ _0\"></span>par<span class=\"_ _2\"></span>ty li<span class=\"_ _0\"></span>mits we<span class=\"_ _0\"></span>re excee<span class=\"_ _0\"></span>ded d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. The G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s cash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h equ<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nts sp<span class=\"_ _0\"></span>lit by S<span class=\"_ _0\"></span>&amp;P c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nterp<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y rati<span class=\"_ _0\"></span>ng we<span class=\"_ _0\"></span>re A<span class=\"_ _0\"></span>/A- rated: \u00a35<span class=\"_ _1\"></span>1.4 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a371.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on), A<span class=\"_ _1\"></span>+ or b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ter rated: \u00a3136.<span class=\"_ _0\"></span>3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3150.<span class=\"_ _1\"></span>1 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) an<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>low A-r<span class=\"_ _0\"></span>ated: \u00a3nil (2023: \u00a3nil).<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-430": {
   "value": "Liquidity risk<span class=\"_ _1\"></span> Liq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y ri<span class=\"_ _0\"></span>sk is t<span class=\"_ _0\"></span>he r<span class=\"_ _0\"></span>isk t<span class=\"_ _0\"></span>hat th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up wi<span class=\"_ _0\"></span>ll n<span class=\"_ _0\"></span>ot be ab<span class=\"_ _0\"></span>le to me<span class=\"_ _0\"></span>et its f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>ons as t<span class=\"_ _0\"></span>hey fal<span class=\"_ _0\"></span>l du<span class=\"_ _0\"></span>e. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ap<span class=\"_ _0\"></span>proa<span class=\"_ _0\"></span>ch to ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g li<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y is to en<span class=\"_ _0\"></span>sure, as f<span class=\"_ _0\"></span>ar as p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ibl<span class=\"_ _0\"></span>e, that i<span class=\"_ _0\"></span>t wil<span class=\"_ _0\"></span>l al<span class=\"_ _0\"></span>ways have suf<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ent f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial re<span class=\"_ _0\"></span>sou<span class=\"_ _0\"></span>rce<span class=\"_ _0\"></span>s to meet it<span class=\"_ _0\"></span>s lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies w<span class=\"_ _0\"></span>hen d<span class=\"_ _0\"></span>ue, un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r both n<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>l and s<span class=\"_ _0\"></span>tres<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d con<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns, wi<span class=\"_ _0\"></span>tho<span class=\"_ _0\"></span>ut in<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ing u<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>cce<span class=\"_ _0\"></span>ptab<span class=\"_ _0\"></span>le l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>r ris<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ng d<span class=\"_ _0\"></span>ama<span class=\"_ _0\"></span>ge to the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s l<span class=\"_ _0\"></span>iqu<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on is m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>itore<span class=\"_ _0\"></span>d and rev<span class=\"_ _0\"></span>iewed o<span class=\"_ _0\"></span>n an o<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>oin<span class=\"_ _0\"></span>g bas<span class=\"_ _0\"></span>is by th<span class=\"_ _0\"></span>e Di<span class=\"_ _0\"></span>rector<span class=\"_ _0\"></span>s. The a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts di<span class=\"_ _0\"></span>scl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he fol<span class=\"_ _0\"></span>lowi<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>es a<span class=\"_ _0\"></span>re the c<span class=\"_ _0\"></span>ontr<span class=\"_ _0\"></span>actu<span class=\"_ _0\"></span>al u<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unted c<span class=\"_ _0\"></span>ash f<span class=\"_ _0\"></span>lows<span class=\"_ _0\"></span>. The l<span class=\"_ _0\"></span>iq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>y req<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>rem<span class=\"_ _0\"></span>ents of ban<span class=\"_ _0\"></span>k bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s are m<span class=\"_ _0\"></span>et from c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows gen<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated by investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n FlexiP<span class=\"_ _0\"></span>ay lin<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span>The m<span class=\"_ _0\"></span>atur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y ana<span class=\"_ _0\"></span>lysi<span class=\"_ _0\"></span>s of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 and 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023 is as fol<span class=\"_ _0\"></span>lows: <table class=\"s w46d hc4\" id=\"_69e93bc9-69bb-443c-878c-14c39d079fa5\"><tr><td></td><td></td><td class=\"t m0 x84f h38 y2abf ff2 fs19 fc3 sc0 ls120 ws118\">Between<span class=\"_ _2d6\"> </span></td><td></td><td></td><td class=\"t m0 x850 h38 y2abf ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x851 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Le<span class=\"_ _0\"></span>ss t<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x852 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs a<span class=\"_ _0\"></span>nd<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x853 h38 y2ac0 ff2 fs19 fc3 sc0 ls120 ws118\">Between<span class=\"_ _1\"></span> 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x854 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Ove<span class=\"_ _0\"></span>r </td><td class=\"t m0 x855 h38 y2ac0 ff2 fs19 fc3 sc0 lse4 wsdd\">undiscounted<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x856 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>t of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x857 h38 y2ac0 ff2 fs19 fc3 sc0 lsd0 wsc7\">Carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x858 h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x859 h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">1 yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85a h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d 5 yea<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6cc h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">5 yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x7d4 h38 y2ac1 ff2 fs19 fc3 sc0 lscf wsc6\">cash flo<span class=\"_ _1\"></span>ws<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x561 h38 y2ac1 ff11 fs19 fc3 sc0 lse4 wsdd\">discounting\u200a</td><td class=\"t m0 x85b h38 y2ac1 ff2 fs19 fc3 sc0 ls3e ws3f\">amou<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h38 y2ac2 ff6 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85c h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85d h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ed h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a5 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2ac3 ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2949 w46e h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">paya<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x85e y294a w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x85f y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x860 y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x861 y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x862 y294a w46f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x863 y294a w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>8.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y294b wd0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x864 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x865 y294c w470 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>1.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x866 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x633 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x867 y294c w3f0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x868 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56d y294c w471 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ac4 ff4 fs6 fc5 sc0 ls2 ws2\">Loan re<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2a65 w472 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">liability</div><div class=\"t m0 x869 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86a y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86b y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86c y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86d y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86e y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86f y27e7 w28 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x870 y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f wd8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x871 y2aa1 w473 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x872 y2aa1 w474 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x873 y2aa1 w1f9 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x874 y2aa1 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x875 y2aa1 w475 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>9.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x876 y2aa1 w476 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x877 y2aa1 w3bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x878 y27eb w477 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls8b ws87\">(8.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x879 y27eb w478 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf8 wsf1\">(10<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87a y27eb w479 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87b y27eb w1c h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87c y27eb w47a h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf5 wsee\">(119<span class=\"_ _0\"></span>.5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87d y27eb w476 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87e y27eb w47b h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w47c hc5\" id=\"_67c3eb15-9414-4272-908a-38a7ce2e0dcc\"><tr><td></td><td></td><td class=\"t m0 x87f h35 y2ac5 ff4 fs19 fc5 sc0 lscf wsc6\">Between<span class=\"_ _2d6\"> </span></td><td></td><td></td><td class=\"t m0 x253 h35 y2ac5 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x858 h35 y2ac6 ff4 fs19 fc5 sc0 lsf1 wsea\">Less than<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x880 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nth<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e4 h35 y2ac6 ff4 fs19 fc5 sc0 lscf wsc6\">Between<span class=\"_ _1\"></span> 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x854 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">Ove<span class=\"_ _0\"></span>r </td><td class=\"t m0 x881 h35 y2ac6 ff4 fs19 fc5 sc0 lse4 wsdd\">undiscount<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x7d9 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x882 h35 y2ac6 ff4 fs19 fc5 sc0 lsd0 wsc7\">Carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x858 h35 y2ac7 ff4 fs19 fc5 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nth<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x859 h35 y2ac7 ff4 fs19 fc5 sc0 ls2 ws2\">1 yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x883 h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">and 5<span class=\"_ _1\"></span> years<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x884 h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">5 y<span class=\"_ _1\"></span>ears<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x885 h35 y2ac7 ff4 fs19 fc5 sc0 lse5 wsde\">cash<span class=\"_ _1\"></span> flows<span class=\"_ _2d6\"> </span></td><td class=\"c x887 y2ac8 w47d h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">discounting</div><div class=\"t m0 x886 h2b y291a ff4 fs17 fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x7de h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h35 y2ac9 ff4 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x888 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85d h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ed h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ee h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2aca ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2936 w46e h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">paya<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x889 y2936 w47e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88a y2936 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88b y2936 w47f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a8 y2936 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88c y2936 w480 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f8 y2936 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x209 y2936 w481 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2acb wd0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x864 y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88d y2acb w237 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">(54.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88e y2acb w482 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88f y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x890 y2acb w3bd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x891 y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x892 y2acb w15d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2acc ff4 fs6 fc5 sc0 ls2 ws2\">Loan re<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y288f w472 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">liability</div><div class=\"t m0 x869 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x893 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x894 y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x895 y288f w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x896 y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x897 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x898 y288f w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x899 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 wd8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89a y2830 w483 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89b y2830 w484 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89c y2830 w485 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89d y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89e y2830 w486 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">(<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89f y2830 w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a0 y2830 w3c0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">(12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x8a1 y27eb w487 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a2 y27eb w488 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(60<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a3 y27eb w489 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a4 y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a5 y27eb w48a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>10<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a6 y27eb w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a7 y27eb w48b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>4.6)<span class=\"_ _2d6\"> </span></div></td></tr></table>1.<span class=\"_ _1\"></span> <span class=\"_ _1f\"> </span>Financial guarant<span class=\"_ _1\"></span>ees pro<span class=\"_ _1\"></span>vided for<span class=\"_ _1\"></span> in the loan<span class=\"_ _1\"></span> repurchase<span class=\"_ _1\"></span> liability are allocat<span class=\"_ _1\"></span>ed to<span class=\"_ _1\"></span> the earliest<span class=\"_ _1\"></span> period in w<span class=\"_ _1\"></span>hich the guaran<span class=\"_ _1\"></span>tee could<span class=\"_ _1\"></span> possibly be<span class=\"_ _1\"></span> called.<span class=\"_ _2d6\"> </span>Ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>e drawn b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e on a c<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ted le<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ing fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y i<span class=\"_ _0\"></span>n the Fl<span class=\"_ _0\"></span>exiPay wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e of \u00a3101.9 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (202<span class=\"_ _1\"></span>3: \u00a354<span class=\"_ _0\"></span>.7 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) at a fl<span class=\"_ _0\"></span>oati<span class=\"_ _0\"></span>ng rate of intere<span class=\"_ _0\"></span>st bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A pl<span class=\"_ _0\"></span>us a ma<span class=\"_ _0\"></span>rgi<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>ey previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly a<span class=\"_ _0\"></span>lso c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d of draw<span class=\"_ _0\"></span>n amo<span class=\"_ _0\"></span>unts i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>S of $2.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n in 2023 on th<span class=\"_ _0\"></span>e PPP Li<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ty Faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty avai<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e from t<span class=\"_ _0\"></span>he Fe<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>al Re<span class=\"_ _0\"></span>ser<span class=\"_ _2\"></span>ve Bank at a fixe<span class=\"_ _0\"></span>d interes<span class=\"_ _0\"></span>t rate of 0.35%.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-451": {
   "value": "The m<span class=\"_ _0\"></span>atur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y ana<span class=\"_ _0\"></span>lysi<span class=\"_ _0\"></span>s of fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents at 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 and 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023 is as fol<span class=\"_ _0\"></span>lows: <table class=\"s w46d hc4\" id=\"_69e93bc9-69bb-443c-878c-14c39d079fa5\"><tr><td></td><td></td><td class=\"t m0 x84f h38 y2abf ff2 fs19 fc3 sc0 ls120 ws118\">Between<span class=\"_ _2d6\"> </span></td><td></td><td></td><td class=\"t m0 x850 h38 y2abf ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x851 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Le<span class=\"_ _0\"></span>ss t<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x852 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs a<span class=\"_ _0\"></span>nd<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x853 h38 y2ac0 ff2 fs19 fc3 sc0 ls120 ws118\">Between<span class=\"_ _1\"></span> 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x854 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Ove<span class=\"_ _0\"></span>r </td><td class=\"t m0 x855 h38 y2ac0 ff2 fs19 fc3 sc0 lse4 wsdd\">undiscounted<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x856 h38 y2ac0 ff2 fs19 fc3 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>t of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x857 h38 y2ac0 ff2 fs19 fc3 sc0 lsd0 wsc7\">Carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x858 h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x859 h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">1 yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85a h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">an<span class=\"_ _0\"></span>d 5 yea<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x6cc h38 y2ac1 ff2 fs19 fc3 sc0 ls2 ws2\">5 yea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x7d4 h38 y2ac1 ff2 fs19 fc3 sc0 lscf wsc6\">cash flo<span class=\"_ _1\"></span>ws<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x561 h38 y2ac1 ff11 fs19 fc3 sc0 lse4 wsdd\">discounting\u200a</td><td class=\"t m0 x85b h38 y2ac1 ff2 fs19 fc3 sc0 ls3e ws3f\">amou<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h38 y2ac2 ff6 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85c h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85d h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ed h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4a5 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h38 y2ac2 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2ac3 ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2949 w46e h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsf8 wsf1\">paya<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x85e y294a w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x85f y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x860 y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x861 y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x862 y294a w46f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(8.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y294a w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x863 y294a w259 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>8.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y294b wd0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x864 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x865 y294c w470 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>1.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x866 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x633 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x867 y294c w3f0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x868 y294c w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x56d y294c w471 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ac4 ff4 fs6 fc5 sc0 ls2 ws2\">Loan re<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2a65 w472 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">liability</div><div class=\"t m0 x869 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86a y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86b y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86c y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86d y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86e y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x86f y27e7 w28 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x870 y27e7 w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f wd8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x871 y2aa1 w473 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x872 y2aa1 w474 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x873 y2aa1 w1f9 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x874 y2aa1 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x875 y2aa1 w475 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>9.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x876 y2aa1 w476 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x877 y2aa1 w3bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x878 y27eb w477 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls8b ws87\">(8.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x879 y27eb w478 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf8 wsf1\">(10<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87a y27eb w479 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2d\"></span>7.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87b y27eb w1c h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87c y27eb w47a h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf5 wsee\">(119<span class=\"_ _0\"></span>.5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87d y27eb w476 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x87e y27eb w47b h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w47c hc5\" id=\"_67c3eb15-9414-4272-908a-38a7ce2e0dcc\"><tr><td></td><td></td><td class=\"t m0 x87f h35 y2ac5 ff4 fs19 fc5 sc0 lscf wsc6\">Between<span class=\"_ _2d6\"> </span></td><td></td><td></td><td class=\"t m0 x253 h35 y2ac5 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x858 h35 y2ac6 ff4 fs19 fc5 sc0 lsf1 wsea\">Less than<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x880 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nth<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e4 h35 y2ac6 ff4 fs19 fc5 sc0 lscf wsc6\">Between<span class=\"_ _1\"></span> 1<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x854 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">Ove<span class=\"_ _0\"></span>r </td><td class=\"t m0 x881 h35 y2ac6 ff4 fs19 fc5 sc0 lse4 wsdd\">undiscount<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x7d9 h35 y2ac6 ff4 fs19 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x882 h35 y2ac6 ff4 fs19 fc5 sc0 lsd0 wsc7\">Carrying<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x858 h35 y2ac7 ff4 fs19 fc5 sc0 ls2 ws2\">3 mo<span class=\"_ _0\"></span>nth<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x859 h35 y2ac7 ff4 fs19 fc5 sc0 ls2 ws2\">1 yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x883 h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">and 5<span class=\"_ _1\"></span> years<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x884 h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">5 y<span class=\"_ _1\"></span>ears<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x885 h35 y2ac7 ff4 fs19 fc5 sc0 lse5 wsde\">cash<span class=\"_ _1\"></span> flows<span class=\"_ _2d6\"> </span></td><td class=\"c x887 y2ac8 w47d h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">discounting</div><div class=\"t m0 x886 h2b y291a ff4 fs17 fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"t m0 x7de h35 y2ac7 ff4 fs19 fc5 sc0 lsd0 wsc7\">amount<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h35 y2ac9 ff4 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x888 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x85d h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ed h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ee h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5ef h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2ac9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2aca ff6 fs6 fc5 sc0 lsd5 wscc\">Financial<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2936 w46e h9d\"><div class=\"t m0 x1ba hd y28bd ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>rad<span class=\"_ _0\"></span>e an<span class=\"_ _0\"></span>d oth<span class=\"_ _0\"></span>er<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsf8 wsf1\">paya<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x889 y2936 w47e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88a y2936 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88b y2936 w47f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x7a8 y2936 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88c y2936 w480 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5f8 y2936 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x209 y2936 w481 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2acb wd0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x864 y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88d y2acb w237 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">(54.7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88e y2acb w482 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x88f y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x890 y2acb w3bd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x891 y2acb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x892 y2acb w15d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2acc ff4 fs6 fc5 sc0 ls2 ws2\">Loan re<span class=\"_ _0\"></span>pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y288f w472 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">liability</div><div class=\"t m0 x869 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x893 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x894 y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x895 y288f w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x896 y288f w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x897 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x898 y288f w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x899 y288f w30b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 wd8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89a y2830 w483 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89b y2830 w484 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89c y2830 w485 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">(5.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89d y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89e y2830 w486 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">(<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.2<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89f y2830 w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a0 y2830 w3c0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls88 ws84\">(12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x8a1 y27eb w487 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a2 y27eb w488 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(60<span class=\"_ _0\"></span>.2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a3 y27eb w489 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd7 wsce\">(8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a4 y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a5 y27eb w48a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(<span class=\"_ _0\"></span>10<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a6 y27eb w190 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8a7 y27eb w48b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(10<span class=\"_ _0\"></span>4.6)<span class=\"_ _2d6\"> </span></div></td></tr></table>1.<span class=\"_ _1\"></span> <span class=\"_ _1f\"> </span>Financial guarant<span class=\"_ _1\"></span>ees pro<span class=\"_ _1\"></span>vided for<span class=\"_ _1\"></span> in the loan<span class=\"_ _1\"></span> repurchase<span class=\"_ _1\"></span> liability are allocat<span class=\"_ _1\"></span>ed to<span class=\"_ _1\"></span> the earliest<span class=\"_ _1\"></span> period in w<span class=\"_ _1\"></span>hich the guaran<span class=\"_ _1\"></span>tee could<span class=\"_ _1\"></span> possibly be<span class=\"_ _1\"></span> called.<span class=\"_ _2d6\"> </span>Ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ris<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>e drawn b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e on a c<span class=\"_ _0\"></span>omm<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ted le<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ing fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y i<span class=\"_ _0\"></span>n the Fl<span class=\"_ _0\"></span>exiPay wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e of \u00a3101.9 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (202<span class=\"_ _1\"></span>3: \u00a354<span class=\"_ _0\"></span>.7 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) at a fl<span class=\"_ _0\"></span>oati<span class=\"_ _0\"></span>ng rate of intere<span class=\"_ _0\"></span>st bas<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A pl<span class=\"_ _0\"></span>us a ma<span class=\"_ _0\"></span>rgi<span class=\"_ _0\"></span>n. Th<span class=\"_ _0\"></span>ey previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly a<span class=\"_ _0\"></span>lso c<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d of draw<span class=\"_ _0\"></span>n amo<span class=\"_ _0\"></span>unts i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>S of $2.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n in 2023 on th<span class=\"_ _0\"></span>e PPP Li<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ty Faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty avai<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e from t<span class=\"_ _0\"></span>he Fe<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>al Re<span class=\"_ _0\"></span>ser<span class=\"_ _2\"></span>ve Bank at a fixe<span class=\"_ _0\"></span>d interes<span class=\"_ _0\"></span>t rate of 0.35%.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:MaturityAnalysisForNonderivativeFinancialLiabilities",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-431": {
   "value": "Marke<span class=\"_ _1\"></span>t risk<span class=\"_ _2d6\"> </span>Ma<span class=\"_ _0\"></span>rket ris<span class=\"_ _0\"></span>k is th<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk th<span class=\"_ _0\"></span>at the fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows of a fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ent wi<span class=\"_ _0\"></span>ll f<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>ctuate be<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>use of c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>s in ma<span class=\"_ _0\"></span>rket pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ma<span class=\"_ _0\"></span>rket ri<span class=\"_ _0\"></span>sk ar<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>es fro<span class=\"_ _0\"></span>m op<span class=\"_ _0\"></span>en po<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s in i<span class=\"_ _0\"></span>nterest-bea<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es, to the extent th<span class=\"_ _0\"></span>at the<span class=\"_ _0\"></span>se are exp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d to gen<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>al an<span class=\"_ _0\"></span>d sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic ma<span class=\"_ _0\"></span>rket movem<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>. a) Othe<span class=\"_ _0\"></span>r p<span class=\"_ _0\"></span>ric<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk<span class=\"_ _2d6\"> </span>The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s ca<span class=\"_ _0\"></span>n fl<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>ate dep<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g on ma<span class=\"_ _0\"></span>rket pr<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ng of re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ve interest r<span class=\"_ _0\"></span>ates and c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ri<span class=\"_ _0\"></span>sk<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>is is ref<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>cted in t<span class=\"_ _0\"></span>he di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt rate us<span class=\"_ _0\"></span>ed to de<span class=\"_ _0\"></span>rive a va<span class=\"_ _0\"></span>luat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n for the lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets. T<span class=\"_ _0\"></span>he di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>unt r<span class=\"_ _0\"></span>ates use<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e val<span class=\"_ _0\"></span>uati<span class=\"_ _0\"></span>on of th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets me<span class=\"_ _0\"></span>asur<span class=\"_ _0\"></span>ed at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t and l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s are not co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be a m<span class=\"_ _0\"></span>ateria<span class=\"_ _0\"></span>l so<span class=\"_ _0\"></span>urce of e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on un<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tai<span class=\"_ _0\"></span>nty a<span class=\"_ _0\"></span>nd a s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is has n<span class=\"_ _0\"></span>ot be<span class=\"_ _0\"></span>en d<span class=\"_ _0\"></span>isc<span class=\"_ _0\"></span>los<span class=\"_ _0\"></span>ed.<span class=\"_ _2d6\"> </span>b) Intere<span class=\"_ _0\"></span>st r<span class=\"_ _0\"></span>ate ri<span class=\"_ _0\"></span>sk<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is expo<span class=\"_ _0\"></span>sed to i<span class=\"_ _0\"></span>nterest rate r<span class=\"_ _0\"></span>isk i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to fin<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh d<span class=\"_ _0\"></span>rawn c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>ted b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>g fac<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s and o<span class=\"_ _0\"></span>n f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h investm<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>. Non-t<span class=\"_ _1\"></span>rading int<span class=\"_ _1\"></span>erest rat<span class=\"_ _1\"></span>e risk<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>isk o<span class=\"_ _0\"></span>n f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>s li<span class=\"_ _0\"></span>mited to intere<span class=\"_ _0\"></span>st re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e on l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n note investm<span class=\"_ _0\"></span>ents, c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h and cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>uiva<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>nt ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ces a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest o<span class=\"_ _0\"></span>n bo<span class=\"_ _0\"></span>nds a<span class=\"_ _0\"></span>nd b<span class=\"_ _0\"></span>ank b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>. The m<span class=\"_ _0\"></span>atur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es of f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to interest r<span class=\"_ _0\"></span>ate risk a<span class=\"_ _0\"></span>re as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span><table class=\"s w48c hc6\" id=\"_53e00aa9-d717-47a7-ab62-7f12df2b4a20\"><tr><td></td><td class=\"c n x8a8 y2acd w48d h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Les<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>an 3 m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ths<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td class=\"c n x8a9 y2acd w48e h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">B<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n 3 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs a<span class=\"_ _0\"></span>nd 1 ye<span class=\"_ _0\"></span>ar<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8aa y2acd w48f h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Bet<span class=\"_ _0\"></span>we<span class=\"_ _0\"></span>en 1 a<span class=\"_ _0\"></span>nd 5 y<span class=\"_ _0\"></span>ea<span class=\"_ _0\"></span>rs<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8ab h38 y2ace ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ac h35 y2ace ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x4f6 h38 y2ace ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x839 h35 y2ace ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1bd h38 y2ace ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2ace ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2acf ff4 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ad h38 y2acf ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2b4 h35 y2acf ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ae h38 y2acf ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x732 h35 y2acf ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h38 y2acf ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2acf ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d ha y2ad0 ff6 fs6 fc5 sc0 lsf8 wsf1\">Fi<span class=\"_ _0\"></span>xed r<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>te<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2887 w490 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8af y2888 w1f0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x89c y2887 w396 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b0 y2888 wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b1 y2887 w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b2 y2888 w360 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsff wsf8\">1.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b3 y2887 w272 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2ad1 w3aa h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">Invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>ts an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">co-i<span class=\"_ _0\"></span>nv<span class=\"_ _1\"></span>estments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b4 y2ad2 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b5 y2ad1 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b6 y2ad2 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b7 y2ad1 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b8 y2ad2 wad h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5da y2ad1 w3c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">25<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2ad3 wbd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Lin<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8b9 y2ad4 w491 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">49<span class=\"_ _1\"></span>.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ba y2ad3 w492 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5<span class=\"_ _0\"></span>0.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8bb y2ad4 w493 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">4<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8bc y2ad3 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8bd y2ad4 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8be y2ad3 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2ad5 ff4 fs6 fc5 sc0 ls2 ws2\">SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2903 w494 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">and loss</div><div class=\"t m0 x8bf h3b y2a0a ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2904 wb7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c1 y2903 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c2 y2904 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c3 y2903 w495 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">13.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c4 y2904 w161 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c5 y2903 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2905 w496 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings</div><div class=\"t m0 x8c6 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c7 y2906 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c8 y2905 w1c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c9 y2906 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ca y2905 w1c h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cb y2906 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cc y2905 w497 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y2ad6 ff6 fs6 fc5 sc0 lsff wsf8\">Floati<span class=\"_ _0\"></span>ng rate<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27e7 wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cd y27e8 wc5 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ce y27e7 w498 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">221.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8cf y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d0 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d1 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d2 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2830 w496 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings</div><div class=\"t m0 x8c6 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c7 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c8 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d3 y282f w3f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d4 y2830 w499 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">(54.<span class=\"_ _1\"></span>7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d5 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d6 y2830 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x8d7 y27ec w49a h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls15 ws14\">238.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d8 y27eb w49b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8d9 y27ec w49c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd5 wscc\">(54.5<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8da y27eb w49d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(40.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8db y27ec w49e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8dc y27eb w49f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32<span class=\"_ _0\"></span>.5<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Th<span class=\"_ _0\"></span>e SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns h<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ld a<span class=\"_ _0\"></span>t fai<span class=\"_ _0\"></span>r va<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ue t<span class=\"_ _0\"></span>hr<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s ar<span class=\"_ _0\"></span>e cl<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>s cu<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t on t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>et, r<span class=\"_ _0\"></span>ef<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>t th<span class=\"_ _0\"></span>e po<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>on i<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>d to se<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>l. T<span class=\"_ _0\"></span>he a<span class=\"_ _0\"></span>bov<span class=\"_ _0\"></span>e ta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e represen<span class=\"_ _1\"></span>ts the<span class=\"_ _1\"></span> contractual ma<span class=\"_ _1\"></span>turities.<span class=\"_ _2d6\"> </span>2.   <span class=\"_ _b\"></span>I<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ve yea<span class=\"_ _0\"></span>r e<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed 31 D<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>r 2023<span class=\"_ _0\"></span>, th<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ixe<span class=\"_ _0\"></span>d ra<span class=\"_ _0\"></span>te ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>owi<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>gs a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>d at a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d c<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>t in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>\u2019s dr<span class=\"_ _0\"></span>aw<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g of th<span class=\"_ _0\"></span>e PP<span class=\"_ _0\"></span>P Li<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ty Fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e US i<span class=\"_ _0\"></span>n or<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r to f<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>d PP<span class=\"_ _0\"></span>P lo<span class=\"_ _0\"></span>an o<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>e we<span class=\"_ _0\"></span>re c<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>d as n<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-c<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t on t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>t, a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>he a<span class=\"_ _0\"></span>bo<span class=\"_ _0\"></span>ve ta<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e re<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>res<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>nts t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>l ma<span class=\"_ _0\"></span>tu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>, al<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h th<span class=\"_ _0\"></span>e PP<span class=\"_ _0\"></span>P lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ld h<span class=\"_ _0\"></span>ave b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n fo<span class=\"_ _0\"></span>rg<span class=\"_ _0\"></span>ive<span class=\"_ _0\"></span>n by t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>BA a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d th<span class=\"_ _0\"></span>e as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ate<span class=\"_ _0\"></span>d li<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y co<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d ha<span class=\"_ _0\"></span>ve be<span class=\"_ _0\"></span>en r<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>id f<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e pr<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>ds w<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>in 12 mo<span class=\"_ _0\"></span>nt<span class=\"_ _0\"></span>hs of t<span class=\"_ _0\"></span>he b<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>et da<span class=\"_ _0\"></span>te. T<span class=\"_ _0\"></span>he f<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>oat<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ate b<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>k b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>row<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>s re<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t th<span class=\"_ _0\"></span>e fa<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y in t<span class=\"_ _0\"></span>he F<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>xi<span class=\"_ _0\"></span>Pay w<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>eh<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>se u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d to o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ate l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>s of cr<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The<span class=\"_ _0\"></span>re are n<span class=\"_ _0\"></span>o fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>r lia<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies w<span class=\"_ _0\"></span>ith a matu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty of over f<span class=\"_ _0\"></span>ive yea<span class=\"_ _0\"></span>rs.<span class=\"_ _2d6\"> </span>Int<span class=\"_ _1\"></span>erest rat<span class=\"_ _1\"></span>e risk s<span class=\"_ _1\"></span>ensitivity analy<span class=\"_ _1\"></span>sis \u2013<span class=\"_ _1\"></span> non-trading<span class=\"_ _1\"></span> intere<span class=\"_ _1\"></span>st (fix<span class=\"_ _1\"></span>ed rat<span class=\"_ _1\"></span>e)<span class=\"_ _2d6\"> </span>Interes<span class=\"_ _0\"></span>t on S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d on th<span class=\"_ _0\"></span>e PPPLF b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs (i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e US) was f<span class=\"_ _0\"></span>ixed unt<span class=\"_ _0\"></span>il th<span class=\"_ _0\"></span>e matur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d is n<span class=\"_ _0\"></span>ot im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>ted by mar<span class=\"_ _0\"></span>ket rate chan<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s. A<span class=\"_ _0\"></span>ll re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>g US b<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ies we<span class=\"_ _0\"></span>re repa<span class=\"_ _0\"></span>id du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he year to 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023 and a<span class=\"_ _0\"></span>ll ot<span class=\"_ _0\"></span>her U<span class=\"_ _0\"></span>S SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets s<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024. The level of f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re interes<span class=\"_ _0\"></span>t rate rece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le woul<span class=\"_ _0\"></span>d be s<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ila<span class=\"_ _0\"></span>r to that re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>ved in t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r and t<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct of movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n interes<span class=\"_ _0\"></span>t rates on t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>ue of t<span class=\"_ _0\"></span>he as<span class=\"_ _0\"></span>sets is con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>materi<span class=\"_ _0\"></span>al to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s overal<span class=\"_ _0\"></span>l pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Int<span class=\"_ _1\"></span>erest rat<span class=\"_ _1\"></span>e risk s<span class=\"_ _1\"></span>ensitivity analy<span class=\"_ _1\"></span>sis \u2013<span class=\"_ _1\"></span> non-trading<span class=\"_ _1\"></span> intere<span class=\"_ _1\"></span>st (floa<span class=\"_ _1\"></span>ting rat<span class=\"_ _1\"></span>e)<span class=\"_ _2d6\"> </span>Interes<span class=\"_ _0\"></span>t on c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es is s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n bas<span class=\"_ _0\"></span>e rates. T<span class=\"_ _0\"></span>he D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tors m<span class=\"_ _0\"></span>oni<span class=\"_ _0\"></span>tor intere<span class=\"_ _0\"></span>st rate ris<span class=\"_ _0\"></span>k an<span class=\"_ _0\"></span>d note that b<span class=\"_ _0\"></span>ase r<span class=\"_ _0\"></span>ates are anti<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pated to dec<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in t<span class=\"_ _0\"></span>he ne<span class=\"_ _0\"></span>ar ter<span class=\"_ _0\"></span>m. A 10<span class=\"_ _0\"></span>0b<span class=\"_ _0\"></span>ps de<span class=\"_ _0\"></span>cre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n ann<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed interes<span class=\"_ _0\"></span>t rates ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d to cash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>es FC ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>s in intere<span class=\"_ _0\"></span>st b<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 would<span class=\"_ _1\"></span> decrease in<span class=\"_ _1\"></span>tere<span class=\"_ _1\"></span>st income b<span class=\"_ _1\"></span>y \u00a35<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>1 million.<span class=\"_ _2d6\"> </span>Interes<span class=\"_ _0\"></span>t on b<span class=\"_ _0\"></span>ank b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs re<span class=\"_ _0\"></span>lated to th<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t are su<span class=\"_ _0\"></span>bj<span class=\"_ _0\"></span>ect to movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n the S<span class=\"_ _0\"></span>ter<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>g Over<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ght In<span class=\"_ _0\"></span>dex Av<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge Rate (\u201c<span class=\"_ _0\"></span>S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA\u201d). The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y protec<span class=\"_ _0\"></span>ted its<span class=\"_ _0\"></span>elf t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh t<span class=\"_ _0\"></span>he us<span class=\"_ _0\"></span>e of an i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate cap wi<span class=\"_ _0\"></span>th a str<span class=\"_ _0\"></span>ike pr<span class=\"_ _0\"></span>ice of 6<span class=\"_ _0\"></span>.5% and a n<span class=\"_ _0\"></span>otio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l amo<span class=\"_ _0\"></span>unt th<span class=\"_ _0\"></span>at in<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n lin<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>th the p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d drawdow<span class=\"_ _0\"></span>ns on t<span class=\"_ _0\"></span>he se<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>or b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>g faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty. The fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e of the i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate cap i<span class=\"_ _0\"></span>s not mater<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l to the G<span class=\"_ _0\"></span>roup.<span class=\"_ _2d6\"> </span>If SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A were to in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se by 10<span class=\"_ _0\"></span>0 bps<span class=\"_ _0\"></span>, base<span class=\"_ _0\"></span>d on t<span class=\"_ _0\"></span>he dr<span class=\"_ _0\"></span>awn ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, the a<span class=\"_ _0\"></span>nnu<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st expen<span class=\"_ _0\"></span>se rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>osts wo<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e by \u00a31.0 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a30.5 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) (in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng any i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct of th<span class=\"_ _0\"></span>e interes<span class=\"_ _0\"></span>t rate ca<span class=\"_ _0\"></span>p)<span class=\"_ _1\"></span>. Add<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, whi<span class=\"_ _0\"></span>le t<span class=\"_ _0\"></span>he fees c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d on Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>re fi<span class=\"_ _0\"></span>xed for th<span class=\"_ _0\"></span>e dur<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of in<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>dua<span class=\"_ _0\"></span>l drawdow<span class=\"_ _0\"></span>ns, du<span class=\"_ _0\"></span>e to the sh<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _1\"></span>-term a<span class=\"_ _0\"></span>nd revol<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ng natu<span class=\"_ _0\"></span>re of the p<span class=\"_ _0\"></span>rod<span class=\"_ _0\"></span>uct, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ca<span class=\"_ _0\"></span>n repr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e the fe<span class=\"_ _0\"></span>es ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n drawdow<span class=\"_ _0\"></span>ns at sh<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t n<span class=\"_ _0\"></span>otic<span class=\"_ _0\"></span>e in o<span class=\"_ _0\"></span>rder to ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>ge intere<span class=\"_ _0\"></span>st rate ri<span class=\"_ _0\"></span>sk of th<span class=\"_ _0\"></span>e fl<span class=\"_ _0\"></span>oati<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ate bor<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>. Interes<span class=\"_ _0\"></span>t cha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d on Cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ca<span class=\"_ _0\"></span>rd ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s outs<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g is re<span class=\"_ _0\"></span>gul<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ly u<span class=\"_ _0\"></span>pdated to a<span class=\"_ _0\"></span>lig<span class=\"_ _0\"></span>n wit<span class=\"_ _0\"></span>h prevai<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng ma<span class=\"_ _0\"></span>rket rates of i<span class=\"_ _0\"></span>nterest a<span class=\"_ _0\"></span>nd are als<span class=\"_ _0\"></span>o sh<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t-term in n<span class=\"_ _0\"></span>ature. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s not co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>nterest rate r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>So<span class=\"_ _0\"></span>me of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s investm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>sts are t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h wareh<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>se vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ere t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup i<span class=\"_ _0\"></span>s a mi<span class=\"_ _0\"></span>nor<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nvestor<span class=\"_ _1\"></span>. The s<span class=\"_ _0\"></span>eni<span class=\"_ _0\"></span>or b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ng fac<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es ut<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>ese ve<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s rece<span class=\"_ _0\"></span>ive intere<span class=\"_ _0\"></span>st on b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs i<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y to paym<span class=\"_ _0\"></span>ents to the eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y investo<span class=\"_ _0\"></span>rs at SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A pl<span class=\"_ _0\"></span>us a ma<span class=\"_ _0\"></span>rgi<span class=\"_ _0\"></span>n. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se in S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA s<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ce th<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>epti<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e vehic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s, the i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>d bo<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>owin<span class=\"_ _0\"></span>g cost<span class=\"_ _0\"></span>s have redu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d the exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h retur<span class=\"_ _0\"></span>ns to the e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nvestors of t<span class=\"_ _0\"></span>he invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt hel<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he st<span class=\"_ _0\"></span>atement of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inco<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>. Som<span class=\"_ _0\"></span>e, bu<span class=\"_ _0\"></span>t not al<span class=\"_ _0\"></span>l of the ve<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s, ha<span class=\"_ _0\"></span>d interest r<span class=\"_ _0\"></span>ate cap<span class=\"_ _0\"></span>s or i<span class=\"_ _0\"></span>nterest rate swa<span class=\"_ _0\"></span>ps wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the<span class=\"_ _0\"></span>ir str<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>res wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h ca<span class=\"_ _0\"></span>n mit<span class=\"_ _0\"></span>igate th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of futu<span class=\"_ _0\"></span>re rate ris<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng lever<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ed wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e vehi<span class=\"_ _0\"></span>cle<span class=\"_ _0\"></span>s, wh<span class=\"_ _0\"></span>ich previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly di<span class=\"_ _0\"></span>d not h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d he<span class=\"_ _0\"></span>dgi<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents, e<span class=\"_ _0\"></span>ntered i<span class=\"_ _0\"></span>nto cap o<span class=\"_ _0\"></span>r swap a<span class=\"_ _0\"></span>gre<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ents du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 and<span class=\"_ _0\"></span> 2023.<span class=\"_ _2d6\"> </span>The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>re no l<span class=\"_ _0\"></span>ong<span class=\"_ _0\"></span>er c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to b<span class=\"_ _0\"></span>e sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ive to fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>s in SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A o<span class=\"_ _0\"></span>r the p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ected S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA r<span class=\"_ _0\"></span>ates as a resu<span class=\"_ _0\"></span>lt of h<span class=\"_ _0\"></span>edg<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g in p<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e.<span class=\"_ _2d6\"> </span>c<span class=\"_ _1\"></span>) Sensitivity analysis<span class=\"_ _2d6\"> </span>IFR<span class=\"_ _0\"></span>S 7 requ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>s dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>osur<span class=\"_ _0\"></span>e of sens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ysis for e<span class=\"_ _0\"></span>ach t<span class=\"_ _0\"></span>yp<span class=\"_ _0\"></span>e of ma<span class=\"_ _0\"></span>rket ris<span class=\"_ _0\"></span>k to whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s expos<span class=\"_ _0\"></span>ed at th<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t date show<span class=\"_ _0\"></span>ing h<span class=\"_ _0\"></span>ow prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y wou<span class=\"_ _0\"></span>ld h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n affe<span class=\"_ _0\"></span>cted by ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the re<span class=\"_ _0\"></span>leva<span class=\"_ _0\"></span>nt ris<span class=\"_ _0\"></span>k var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>les t<span class=\"_ _0\"></span>hat were reaso<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>bly p<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le at th<span class=\"_ _0\"></span>at date. As di<span class=\"_ _0\"></span>scu<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d ab<span class=\"_ _0\"></span>ove, the Gr<span class=\"_ _0\"></span>oup d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot have sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to pri<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>r cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ow ri<span class=\"_ _0\"></span>sk an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>refore no sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ty a<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ysis for t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ris<span class=\"_ _0\"></span>ks has b<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>d) Fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n excha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated inter<span class=\"_ _0\"></span>nati<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>lly a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>s expos<span class=\"_ _0\"></span>ed to forei<span class=\"_ _0\"></span>gn excha<span class=\"_ _0\"></span>nge r<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>k ar<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>ng fro<span class=\"_ _0\"></span>m var<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>us cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy expo<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>s, pr<span class=\"_ _0\"></span>ima<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ly wi<span class=\"_ _0\"></span>th res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct to the US d<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>, the U<span class=\"_ _0\"></span>K po<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>d sterl<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d the e<span class=\"_ _0\"></span>uro. Fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge r<span class=\"_ _0\"></span>isk a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ses fr<span class=\"_ _0\"></span>om fu<span class=\"_ _0\"></span>ture commercial<span class=\"_ _1\"></span> transactions,<span class=\"_ _1\"></span> recognised a<span class=\"_ _1\"></span>ssets and<span class=\"_ _1\"></span> liabilities and<span class=\"_ _1\"></span> net in<span class=\"_ _1\"></span>vestmen<span class=\"_ _1\"></span>ts in f<span class=\"_ _1\"></span>oreign opera<span class=\"_ _1\"></span>tions.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>icy is<span class=\"_ _0\"></span>, whe<span class=\"_ _0\"></span>re pos<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e, to allow G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s to sett<span class=\"_ _0\"></span>le l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s den<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>inate<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>eir f<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e cas<span class=\"_ _0\"></span>h ge<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>ated fro<span class=\"_ _0\"></span>m the<span class=\"_ _0\"></span>ir own o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons i<span class=\"_ _0\"></span>n that c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy<span class=\"_ _1\"></span>. W<span class=\"_ _0\"></span>here G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up ent<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es have li<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>ies den<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>inated i<span class=\"_ _0\"></span>n a cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy oth<span class=\"_ _0\"></span>er t<span class=\"_ _0\"></span>han t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r fun<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy (and h<span class=\"_ _0\"></span>ave insu<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>nt rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ves of that c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy to sett<span class=\"_ _0\"></span>le the<span class=\"_ _0\"></span>m)<span class=\"_ _1\"></span>, c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>lre<span class=\"_ _0\"></span>ady de<span class=\"_ _0\"></span>no<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>nated in t<span class=\"_ _0\"></span>hat cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy w<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>, whe<span class=\"_ _0\"></span>re pos<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e, be tr<span class=\"_ _0\"></span>ansfe<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>d from e<span class=\"_ _0\"></span>lsew<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re wit<span class=\"_ _0\"></span>hin t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span>Ap<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t fr<span class=\"_ _0\"></span>om th<span class=\"_ _0\"></span>ese p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>icu<span class=\"_ _0\"></span>lar c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ai<span class=\"_ _0\"></span>ms to fun<span class=\"_ _0\"></span>d expe<span class=\"_ _0\"></span>nses a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nvestme<span class=\"_ _0\"></span>nts in t<span class=\"_ _0\"></span>he res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy and to ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>ge fore<span class=\"_ _0\"></span>ign exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e ri<span class=\"_ _0\"></span>sk at a l<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>al leve<span class=\"_ _0\"></span>l by matchi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy in w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>me is g<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>erated a<span class=\"_ _0\"></span>nd expen<span class=\"_ _0\"></span>ses a<span class=\"_ _0\"></span>re in<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ha<span class=\"_ _0\"></span>d cer<span class=\"_ _2\"></span>tain invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in fore<span class=\"_ _0\"></span>ign o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>, who<span class=\"_ _0\"></span>se net as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>re expos<span class=\"_ _0\"></span>ed to forei<span class=\"_ _0\"></span>gn c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>rency translat<span class=\"_ _1\"></span>ion risk.<span class=\"_ _2d6\"> </span>The t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>low s<span class=\"_ _0\"></span>ets ou<span class=\"_ _0\"></span>t the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>res fro<span class=\"_ _0\"></span>m fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>itie<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>ld by G<span class=\"_ _0\"></span>roup c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>nies in curr<span class=\"_ _1\"></span>encies other<span class=\"_ _1\"></span> than their<span class=\"_ _1\"></span> functional curr<span class=\"_ _1\"></span>encies and r<span class=\"_ _1\"></span>esulting in e<span class=\"_ _1\"></span>xchange<span class=\"_ _1\"></span> mov<span class=\"_ _1\"></span>ements in<span class=\"_ _1\"></span> the income st<span class=\"_ _1\"></span>atemen<span class=\"_ _1\"></span>t and balance sheet.<span class=\"_ _2d6\"> </span><table class=\"s w4a0 hc7\" id=\"_ab7a6c42-a647-4129-966b-0d8fa348c227\"><tr><td></td><td></td><td class=\"c n x8dd y2ad7 w3a3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff2 fs19 fc3 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 2<span class=\"_ _0\"></span>024<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x8de y2ad7 w4a1 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2<span class=\"_ _0\"></span>023<span class=\"_ _2d6\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x8df h38 y2ad8 ff2 fs19 fc3 sc0 lse5 wsde\">USD<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e0 h38 y2ad8 ff2 fs19 fc3 sc0 ls148 ws143\">GBP<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x796 h38 y2ad8 ff2 fs19 fc3 sc0 ls13c ws136\">EUR<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x794 h38 y2ad8 ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e1 h35 y2ad8 ff4 fs19 fc5 sc0 ls101 wsfa\">USD<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2ac h35 y2ad8 ff4 fs19 fc5 sc0 ls144 ws13f\">GBP<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e2 h35 y2ad8 ff4 fs19 fc5 sc0 ls152 ws150\">EUR<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2ad8 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x8e3 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e4 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x741 h38 y2ad9 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x795 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x743 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x744 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2ad9 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d hd y2ada ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2adb w4a2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsc wsb\">equivalen<span class=\"_ _1\"></span>ts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e5 y2adc w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e6 y2adc w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e7 y2adc w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e8 y2adc w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8e9 y2adb w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ea y2adb w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8eb y2adb w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ec y2adb w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2add w4a3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Intr<span class=\"_ _0\"></span>a-<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p as<span class=\"_ _0\"></span>sets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ed y2ade w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ee y2ade w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ef y2ade wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f0 y2ade wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f1 y2add w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f2 y2add w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f3 y2add w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x5d2 y2add w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2adf ff4 fs6 fc5 sc0 ls2 ws2\">Intr<span class=\"_ _0\"></span>a-<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27eb w4a4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">liabilitie<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f4 y27ec w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8ee y27ec w105 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f5 y27ec w68 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f6 y27ec w3d h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(0<span class=\"_ _0\"></span>.5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f7 y27eb w2e2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.5<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f8 y27eb w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8f9 y27eb wcf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8fa y27eb w4a5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(45<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr></table>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sed t<span class=\"_ _0\"></span>he se<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>tiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to a 10% dep<span class=\"_ _0\"></span>reci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d 10% ap<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ciat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n in p<span class=\"_ _0\"></span>oun<span class=\"_ _0\"></span>d ster<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst th<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>evant forei<span class=\"_ _0\"></span>gn cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>es. W<span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>e 5% is the se<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>tiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y rate use<span class=\"_ _0\"></span>d wh<span class=\"_ _0\"></span>en rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting fore<span class=\"_ _0\"></span>ign c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy ris<span class=\"_ _0\"></span>k inter<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly to se<span class=\"_ _0\"></span>nio<span class=\"_ _0\"></span>r management<span class=\"_ _1\"></span> personnel, in li<span class=\"_ _1\"></span>ght of<span class=\"_ _1\"></span> recent fluc<span class=\"_ _1\"></span>tuations<span class=\"_ _1\"></span> in for<span class=\"_ _1\"></span>eign ex<span class=\"_ _1\"></span>change ra<span class=\"_ _1\"></span>tes,<span class=\"_ _1\"></span> 10% r<span class=\"_ _1\"></span>epresents<span class=\"_ _1\"></span> management\u2019s cur<span class=\"_ _0\"></span>rent a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>ssm<span class=\"_ _0\"></span>ent of a re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly po<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge rates<span class=\"_ _0\"></span>. The s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is to the i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ome statem<span class=\"_ _0\"></span>ent in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s on<span class=\"_ _0\"></span>ly ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy-<span class=\"_ _0\"></span>den<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>inated m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>etar<span class=\"_ _0\"></span>y i<span class=\"_ _0\"></span>tems an<span class=\"_ _0\"></span>d ad<span class=\"_ _0\"></span>jus<span class=\"_ _0\"></span>ts the<span class=\"_ _0\"></span>ir t<span class=\"_ _0\"></span>rans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion at the yea<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>d for a 10% ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n cu<span class=\"_ _0\"></span>rren<span class=\"_ _0\"></span>cy rates<span class=\"_ _0\"></span>. The s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is il<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>strates t<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct on t<span class=\"_ _0\"></span>he fore<span class=\"_ _0\"></span>ign cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e retra<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on of qu<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y lo<span class=\"_ _0\"></span>ans to fore<span class=\"_ _0\"></span>ign o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd net i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>itiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to flu<span class=\"_ _0\"></span>ctu<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>s is rel<span class=\"_ _0\"></span>ated to the US d<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r and e<span class=\"_ _0\"></span>uro a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts he<span class=\"_ _0\"></span>ld i<span class=\"_ _0\"></span>n the Pare<span class=\"_ _0\"></span>nt Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _1\"></span>. Th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of a 10% cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e in fore<span class=\"_ _0\"></span>ign c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy rates is as fo<span class=\"_ _0\"></span>llows<span class=\"_ _0\"></span>:<span class=\"_ _2d6\"> </span><table class=\"s w28a hc8\" id=\"_3d296cc6-4954-4428-8287-79267c336dbe\"><tr><td></td><td></td><td></td><td class=\"c n x8fb y2ae0 w4a6 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lscf wsc6\">Apprecia<span class=\"_ _1\"></span>tion in poun<span class=\"_ _1\"></span>d sterling<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x8fc y2ae0 w4a7 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Deprecia<span class=\"_ _1\"></span>tion in po<span class=\"_ _1\"></span>und sterling<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8fd h38 y2ae1 ff2 fs19 fc3 sc0 lsd9 wsd0\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x374 h35 y2ae1 ff4 fs19 fc5 sc0 lscf wsc6\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x73c h38 y2ae1 ff2 fs19 fc3 sc0 lsd9 wsd0\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x1bd h35 y2ae1 ff4 fs19 fc5 sc0 lscf wsc6\">Income<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x8fe h38 y2ae2 ff2 fs19 fc3 sc0 ls120 ws118\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ff h38 y2ae2 ff2 fs19 fc3 sc0 ls3e ws3f\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x900 h35 y2ae2 ff4 fs19 fc5 sc0 lsd1 wsc8\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73b h35 y2ae2 ff4 fs19 fc5 sc0 ls10b ws104\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x901 h38 y2ae2 ff2 fs19 fc3 sc0 ls120 ws118\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x902 h38 y2ae2 ff2 fs19 fc3 sc0 ls3e ws3f\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x903 h35 y2ae2 ff4 fs19 fc5 sc0 lsd1 wsc8\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d h35 y2ae2 ff4 fs19 fc5 sc0 ls10b ws104\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x904 h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x905 h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x375 h35 y2ae3 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x794 h35 y2ae3 ff4 fs19 fc5 sc0 lsf0 wse9\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2ab h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83c h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h35 y2ae3 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2ae3 ff4 fs19 fc5 sc0 lsf0 wse9\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2ae4 ff4 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e3 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e4 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x741 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x795 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x743 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x744 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e7 w4a8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">US dollars<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x906 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x907 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x908 y27e7 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x909 y27e7 w1f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90a y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90b y27e8 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90c y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x614 y27e7 w4a9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">3.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w4aa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb5 wsb1\">Eur<span class=\"_ _0\"></span>os<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90d y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90e y282f w47f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90f y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x910 y2830 w18e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x911 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x912 y282f w4ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x913 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x914 y2830 w339 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x915 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x916 y27ec w1e0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x917 y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x918 y27eb w4ac h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x919 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91a y27ec w4ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91b y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91c y27eb w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-460": {
   "value": "Int<span class=\"_ _1\"></span>erest rat<span class=\"_ _1\"></span>e risk s<span class=\"_ _1\"></span>ensitivity analy<span class=\"_ _1\"></span>sis \u2013<span class=\"_ _1\"></span> non-trading<span class=\"_ _1\"></span> intere<span class=\"_ _1\"></span>st (fix<span class=\"_ _1\"></span>ed rat<span class=\"_ _1\"></span>e)<span class=\"_ _2d6\"> </span>Interes<span class=\"_ _0\"></span>t on S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns an<span class=\"_ _0\"></span>d on th<span class=\"_ _0\"></span>e PPPLF b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs (i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e US) was f<span class=\"_ _0\"></span>ixed unt<span class=\"_ _0\"></span>il th<span class=\"_ _0\"></span>e matur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ent an<span class=\"_ _0\"></span>d is n<span class=\"_ _0\"></span>ot im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>ted by mar<span class=\"_ _0\"></span>ket rate chan<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s. A<span class=\"_ _0\"></span>ll re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>g US b<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>d lia<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ies we<span class=\"_ _0\"></span>re repa<span class=\"_ _0\"></span>id du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he year to 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2023 and a<span class=\"_ _0\"></span>ll ot<span class=\"_ _0\"></span>her U<span class=\"_ _0\"></span>S SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets s<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024. The level of f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re interes<span class=\"_ _0\"></span>t rate rece<span class=\"_ _0\"></span>ivab<span class=\"_ _0\"></span>le woul<span class=\"_ _0\"></span>d be s<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>ila<span class=\"_ _0\"></span>r to that re<span class=\"_ _0\"></span>cei<span class=\"_ _0\"></span>ved in t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r and t<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct of movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n interes<span class=\"_ _0\"></span>t rates on t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>ue of t<span class=\"_ _0\"></span>he as<span class=\"_ _0\"></span>sets is con<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ere<span class=\"_ _0\"></span>d im<span class=\"_ _0\"></span>materi<span class=\"_ _0\"></span>al to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s overal<span class=\"_ _0\"></span>l pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e for th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>Int<span class=\"_ _1\"></span>erest rat<span class=\"_ _1\"></span>e risk s<span class=\"_ _1\"></span>ensitivity analy<span class=\"_ _1\"></span>sis \u2013<span class=\"_ _1\"></span> non-trading<span class=\"_ _1\"></span> intere<span class=\"_ _1\"></span>st (floa<span class=\"_ _1\"></span>ting rat<span class=\"_ _1\"></span>e)<span class=\"_ _2d6\"> </span>Interes<span class=\"_ _0\"></span>t on c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es is s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n bas<span class=\"_ _0\"></span>e rates. T<span class=\"_ _0\"></span>he D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tors m<span class=\"_ _0\"></span>oni<span class=\"_ _0\"></span>tor intere<span class=\"_ _0\"></span>st rate ris<span class=\"_ _0\"></span>k an<span class=\"_ _0\"></span>d note that b<span class=\"_ _0\"></span>ase r<span class=\"_ _0\"></span>ates are anti<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pated to dec<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e in t<span class=\"_ _0\"></span>he ne<span class=\"_ _0\"></span>ar ter<span class=\"_ _0\"></span>m. A 10<span class=\"_ _0\"></span>0b<span class=\"_ _0\"></span>ps de<span class=\"_ _0\"></span>cre<span class=\"_ _0\"></span>ase i<span class=\"_ _0\"></span>n ann<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>lis<span class=\"_ _0\"></span>ed interes<span class=\"_ _0\"></span>t rates ap<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d to cash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent b<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>es FC ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>s in intere<span class=\"_ _0\"></span>st b<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts at 31 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4 would<span class=\"_ _1\"></span> decrease in<span class=\"_ _1\"></span>tere<span class=\"_ _1\"></span>st income b<span class=\"_ _1\"></span>y \u00a35<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>1 million.<span class=\"_ _2d6\"> </span>Interes<span class=\"_ _0\"></span>t on b<span class=\"_ _0\"></span>ank b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs re<span class=\"_ _0\"></span>lated to th<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t are su<span class=\"_ _0\"></span>bj<span class=\"_ _0\"></span>ect to movem<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n the S<span class=\"_ _0\"></span>ter<span class=\"_ _0\"></span>lin<span class=\"_ _0\"></span>g Over<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ght In<span class=\"_ _0\"></span>dex Av<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ge Rate (\u201c<span class=\"_ _0\"></span>S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA\u201d). The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>y protec<span class=\"_ _0\"></span>ted its<span class=\"_ _0\"></span>elf t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ugh t<span class=\"_ _0\"></span>he us<span class=\"_ _0\"></span>e of an i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate cap wi<span class=\"_ _0\"></span>th a str<span class=\"_ _0\"></span>ike pr<span class=\"_ _0\"></span>ice of 6<span class=\"_ _0\"></span>.5% and a n<span class=\"_ _0\"></span>otio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l amo<span class=\"_ _0\"></span>unt th<span class=\"_ _0\"></span>at in<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n lin<span class=\"_ _0\"></span>e wi<span class=\"_ _0\"></span>th the p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ecte<span class=\"_ _0\"></span>d drawdow<span class=\"_ _0\"></span>ns on t<span class=\"_ _0\"></span>he se<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>or b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>g faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty. The fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e of the i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate cap i<span class=\"_ _0\"></span>s not mater<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l to the G<span class=\"_ _0\"></span>roup.<span class=\"_ _2d6\"> </span>If SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A were to in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se by 10<span class=\"_ _0\"></span>0 bps<span class=\"_ _0\"></span>, base<span class=\"_ _0\"></span>d on t<span class=\"_ _0\"></span>he dr<span class=\"_ _0\"></span>awn ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, the a<span class=\"_ _0\"></span>nnu<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st expen<span class=\"_ _0\"></span>se rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n bo<span class=\"_ _0\"></span>rrow<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>osts wo<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d inc<span class=\"_ _0\"></span>reas<span class=\"_ _0\"></span>e by \u00a31.0 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a30.5 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) (in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng any i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct of th<span class=\"_ _0\"></span>e interes<span class=\"_ _0\"></span>t rate ca<span class=\"_ _0\"></span>p)<span class=\"_ _1\"></span>. Add<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, whi<span class=\"_ _0\"></span>le t<span class=\"_ _0\"></span>he fees c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d on Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit a<span class=\"_ _0\"></span>re fi<span class=\"_ _0\"></span>xed for th<span class=\"_ _0\"></span>e dur<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of in<span class=\"_ _0\"></span>divi<span class=\"_ _0\"></span>dua<span class=\"_ _0\"></span>l drawdow<span class=\"_ _0\"></span>ns, du<span class=\"_ _0\"></span>e to the sh<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t<span class=\"_ _1\"></span>-term a<span class=\"_ _0\"></span>nd revol<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ng natu<span class=\"_ _0\"></span>re of the p<span class=\"_ _0\"></span>rod<span class=\"_ _0\"></span>uct, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ca<span class=\"_ _0\"></span>n repr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e the fe<span class=\"_ _0\"></span>es ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n drawdow<span class=\"_ _0\"></span>ns at sh<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t n<span class=\"_ _0\"></span>otic<span class=\"_ _0\"></span>e in o<span class=\"_ _0\"></span>rder to ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>ge intere<span class=\"_ _0\"></span>st rate ri<span class=\"_ _0\"></span>sk of th<span class=\"_ _0\"></span>e fl<span class=\"_ _0\"></span>oati<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ate bor<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>. Interes<span class=\"_ _0\"></span>t cha<span class=\"_ _0\"></span>rge<span class=\"_ _0\"></span>d on Cas<span class=\"_ _0\"></span>hba<span class=\"_ _0\"></span>ck c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t ca<span class=\"_ _0\"></span>rd ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s outs<span class=\"_ _0\"></span>tan<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g is re<span class=\"_ _0\"></span>gul<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ly u<span class=\"_ _0\"></span>pdated to a<span class=\"_ _0\"></span>lig<span class=\"_ _0\"></span>n wit<span class=\"_ _0\"></span>h prevai<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng ma<span class=\"_ _0\"></span>rket rates of i<span class=\"_ _0\"></span>nterest a<span class=\"_ _0\"></span>nd are als<span class=\"_ _0\"></span>o sh<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t-term in n<span class=\"_ _0\"></span>ature. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt t<span class=\"_ _0\"></span>here i<span class=\"_ _0\"></span>s not co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>nterest rate r<span class=\"_ _0\"></span>isk<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>So<span class=\"_ _0\"></span>me of th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s investm<span class=\"_ _0\"></span>ent in t<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>sts are t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h wareh<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>se vehi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>es wh<span class=\"_ _0\"></span>ere t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup i<span class=\"_ _0\"></span>s a mi<span class=\"_ _0\"></span>nor<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nvestor<span class=\"_ _1\"></span>. The s<span class=\"_ _0\"></span>eni<span class=\"_ _0\"></span>or b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ng fac<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es ut<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>ese ve<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s rece<span class=\"_ _0\"></span>ive intere<span class=\"_ _0\"></span>st on b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowi<span class=\"_ _0\"></span>ngs i<span class=\"_ _0\"></span>n pr<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y to paym<span class=\"_ _0\"></span>ents to the eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y investo<span class=\"_ _0\"></span>rs at SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A pl<span class=\"_ _0\"></span>us a ma<span class=\"_ _0\"></span>rgi<span class=\"_ _0\"></span>n. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt of th<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span>crea<span class=\"_ _0\"></span>se in S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA s<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ce th<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>epti<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e vehic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s, the i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>d bo<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>owin<span class=\"_ _0\"></span>g cost<span class=\"_ _0\"></span>s have redu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>d the exp<span class=\"_ _0\"></span>ected c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h retur<span class=\"_ _0\"></span>ns to the e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>nvestors of t<span class=\"_ _0\"></span>he invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt hel<span class=\"_ _0\"></span>d at fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t is rec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e ga<span class=\"_ _0\"></span>ins a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es in t<span class=\"_ _0\"></span>he st<span class=\"_ _0\"></span>atement of com<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>ve inco<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>. Som<span class=\"_ _0\"></span>e, bu<span class=\"_ _0\"></span>t not al<span class=\"_ _0\"></span>l of the ve<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s, ha<span class=\"_ _0\"></span>d interest r<span class=\"_ _0\"></span>ate cap<span class=\"_ _0\"></span>s or i<span class=\"_ _0\"></span>nterest rate swa<span class=\"_ _0\"></span>ps wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the<span class=\"_ _0\"></span>ir str<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>res wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h ca<span class=\"_ _0\"></span>n mit<span class=\"_ _0\"></span>igate th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of futu<span class=\"_ _0\"></span>re rate ris<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>mai<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng lever<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>ed wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e vehi<span class=\"_ _0\"></span>cle<span class=\"_ _0\"></span>s, wh<span class=\"_ _0\"></span>ich previ<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>ly di<span class=\"_ _0\"></span>d not h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d he<span class=\"_ _0\"></span>dgi<span class=\"_ _0\"></span>ng i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents, e<span class=\"_ _0\"></span>ntered i<span class=\"_ _0\"></span>nto cap o<span class=\"_ _0\"></span>r swap a<span class=\"_ _0\"></span>gre<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>ents du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er 2024 and<span class=\"_ _0\"></span> 2023.<span class=\"_ _2d6\"> </span>The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ents i<span class=\"_ _0\"></span>n tru<span class=\"_ _0\"></span>sts a<span class=\"_ _0\"></span>nd co<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>investm<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>re no l<span class=\"_ _0\"></span>ong<span class=\"_ _0\"></span>er c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to b<span class=\"_ _0\"></span>e sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ive to fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>s in SO<span class=\"_ _0\"></span>NI<span class=\"_ _0\"></span>A o<span class=\"_ _0\"></span>r the p<span class=\"_ _0\"></span>roj<span class=\"_ _0\"></span>ected S<span class=\"_ _0\"></span>ON<span class=\"_ _0\"></span>IA r<span class=\"_ _0\"></span>ates as a resu<span class=\"_ _0\"></span>lt of h<span class=\"_ _0\"></span>edg<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g in p<span class=\"_ _0\"></span>lac<span class=\"_ _0\"></span>e.<span class=\"_ _2d6\"> </span>c<span class=\"_ _1\"></span>) Sensitivity analysis<span class=\"_ _2d6\"> </span>IFR<span class=\"_ _0\"></span>S 7 requ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>s dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>osur<span class=\"_ _0\"></span>e of sens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ysis for e<span class=\"_ _0\"></span>ach t<span class=\"_ _0\"></span>yp<span class=\"_ _0\"></span>e of ma<span class=\"_ _0\"></span>rket ris<span class=\"_ _0\"></span>k to whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s expos<span class=\"_ _0\"></span>ed at th<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t date show<span class=\"_ _0\"></span>ing h<span class=\"_ _0\"></span>ow prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>r los<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y wou<span class=\"_ _0\"></span>ld h<span class=\"_ _0\"></span>ave bee<span class=\"_ _0\"></span>n affe<span class=\"_ _0\"></span>cted by ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the re<span class=\"_ _0\"></span>leva<span class=\"_ _0\"></span>nt ris<span class=\"_ _0\"></span>k var<span class=\"_ _0\"></span>iab<span class=\"_ _0\"></span>les t<span class=\"_ _0\"></span>hat were reaso<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>bly p<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>sib<span class=\"_ _0\"></span>le at th<span class=\"_ _0\"></span>at date. As di<span class=\"_ _0\"></span>scu<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>d ab<span class=\"_ _0\"></span>ove, the Gr<span class=\"_ _0\"></span>oup d<span class=\"_ _0\"></span>oes n<span class=\"_ _0\"></span>ot have sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to pri<span class=\"_ _0\"></span>ce o<span class=\"_ _0\"></span>r cas<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ow ri<span class=\"_ _0\"></span>sk an<span class=\"_ _0\"></span>d the<span class=\"_ _0\"></span>refore no sen<span class=\"_ _0\"></span>sit<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ty a<span class=\"_ _0\"></span>nal<span class=\"_ _0\"></span>ysis for t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ris<span class=\"_ _0\"></span>ks has b<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ass<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>sed t<span class=\"_ _0\"></span>he se<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>tiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to a 10% dep<span class=\"_ _0\"></span>reci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n an<span class=\"_ _0\"></span>d 10% ap<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ciat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n in p<span class=\"_ _0\"></span>oun<span class=\"_ _0\"></span>d ster<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng ag<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>nst th<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>evant forei<span class=\"_ _0\"></span>gn cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>es. W<span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>e 5% is the se<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>tiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y rate use<span class=\"_ _0\"></span>d wh<span class=\"_ _0\"></span>en rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ting fore<span class=\"_ _0\"></span>ign c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy ris<span class=\"_ _0\"></span>k inter<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly to se<span class=\"_ _0\"></span>nio<span class=\"_ _0\"></span>r management<span class=\"_ _1\"></span> personnel, in li<span class=\"_ _1\"></span>ght of<span class=\"_ _1\"></span> recent fluc<span class=\"_ _1\"></span>tuations<span class=\"_ _1\"></span> in for<span class=\"_ _1\"></span>eign ex<span class=\"_ _1\"></span>change ra<span class=\"_ _1\"></span>tes,<span class=\"_ _1\"></span> 10% r<span class=\"_ _1\"></span>epresents<span class=\"_ _1\"></span> management\u2019s cur<span class=\"_ _0\"></span>rent a<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>ssm<span class=\"_ _0\"></span>ent of a re<span class=\"_ _0\"></span>aso<span class=\"_ _0\"></span>nab<span class=\"_ _0\"></span>ly po<span class=\"_ _0\"></span>ssi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n exchan<span class=\"_ _0\"></span>ge rates<span class=\"_ _0\"></span>. The s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is to the i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ome statem<span class=\"_ _0\"></span>ent in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>s on<span class=\"_ _0\"></span>ly ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy-<span class=\"_ _0\"></span>den<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>inated m<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>etar<span class=\"_ _0\"></span>y i<span class=\"_ _0\"></span>tems an<span class=\"_ _0\"></span>d ad<span class=\"_ _0\"></span>jus<span class=\"_ _0\"></span>ts the<span class=\"_ _0\"></span>ir t<span class=\"_ _0\"></span>rans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion at the yea<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>d for a 10% ch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e in fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n cu<span class=\"_ _0\"></span>rren<span class=\"_ _0\"></span>cy rates<span class=\"_ _0\"></span>. The s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>alys<span class=\"_ _0\"></span>is il<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>strates t<span class=\"_ _0\"></span>he im<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ct on t<span class=\"_ _0\"></span>he fore<span class=\"_ _0\"></span>ign cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e retra<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on of qu<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y lo<span class=\"_ _0\"></span>ans to fore<span class=\"_ _0\"></span>ign o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ons w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd net i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s s<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>itiv<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to flu<span class=\"_ _0\"></span>ctu<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns in fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cie<span class=\"_ _0\"></span>s is rel<span class=\"_ _0\"></span>ated to the US d<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r and e<span class=\"_ _0\"></span>uro a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts he<span class=\"_ _0\"></span>ld i<span class=\"_ _0\"></span>n the Pare<span class=\"_ _0\"></span>nt Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _1\"></span>. Th<span class=\"_ _0\"></span>e im<span class=\"_ _0\"></span>pac<span class=\"_ _0\"></span>t of a 10% cha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e in fore<span class=\"_ _0\"></span>ign c<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy rates is as fo<span class=\"_ _0\"></span>llows<span class=\"_ _0\"></span>:<span class=\"_ _2d6\"> </span><table class=\"s w28a hc8\" id=\"_3d296cc6-4954-4428-8287-79267c336dbe\"><tr><td></td><td></td><td></td><td class=\"c n x8fb y2ae0 w4a6 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lscf wsc6\">Apprecia<span class=\"_ _1\"></span>tion in poun<span class=\"_ _1\"></span>d sterling<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x8fc y2ae0 w4a7 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Deprecia<span class=\"_ _1\"></span>tion in po<span class=\"_ _1\"></span>und sterling<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8fd h38 y2ae1 ff2 fs19 fc3 sc0 lsd9 wsd0\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x374 h35 y2ae1 ff4 fs19 fc5 sc0 lscf wsc6\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x73c h38 y2ae1 ff2 fs19 fc3 sc0 lsd9 wsd0\">Income<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x1bd h35 y2ae1 ff4 fs19 fc5 sc0 lscf wsc6\">Income<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x8fe h38 y2ae2 ff2 fs19 fc3 sc0 ls120 ws118\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8ff h38 y2ae2 ff2 fs19 fc3 sc0 ls3e ws3f\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x900 h35 y2ae2 ff4 fs19 fc5 sc0 lsd1 wsc8\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73b h35 y2ae2 ff4 fs19 fc5 sc0 ls10b ws104\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x901 h38 y2ae2 ff2 fs19 fc3 sc0 ls120 ws118\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x902 h38 y2ae2 ff2 fs19 fc3 sc0 ls3e ws3f\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x903 h35 y2ae2 ff4 fs19 fc5 sc0 lsd1 wsc8\">stat<span class=\"_ _1\"></span>ement<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x73d h35 y2ae2 ff4 fs19 fc5 sc0 ls10b ws104\">Equit<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x904 h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x905 h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x375 h35 y2ae3 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x794 h35 y2ae3 ff4 fs19 fc5 sc0 lsf0 wse9\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x2ab h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x83c h38 y2ae3 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h35 y2ae3 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2ae3 ff4 fs19 fc5 sc0 lsf0 wse9\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2ae4 ff4 fs19 fc5 sc0 ls2 ws2\">At 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e3 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x8e4 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x378 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x741 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x795 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x743 h38 y2ae4 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x744 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2ae4 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e7 w4a8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">US dollars<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x906 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x907 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x908 y27e7 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x909 y27e7 w1f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>.0<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90a y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90b y27e8 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90c y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x614 y27e7 w4a9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">3.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w4aa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsb5 wsb1\">Eur<span class=\"_ _0\"></span>os<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90d y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90e y282f w47f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x90f y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x910 y2830 w18e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x911 y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x912 y282f w4ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x913 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x914 y2830 w339 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x915 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x916 y27ec w1e0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(1.0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x917 y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x918 y27eb w4ac h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x919 y27ec w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91a y27ec w4ab h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91b y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x91c y27eb w11b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">2.6<span class=\"_ _2d6\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:SensitivityAnalysisForEachTypeOfMarketRisk",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-432": {
   "value": "Capital<span class=\"_ _1\"></span> management<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s its c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l to com<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ise it<span class=\"_ _0\"></span>s ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>, sha<span class=\"_ _0\"></span>re pre<span class=\"_ _0\"></span>miu<span class=\"_ _0\"></span>m, fore<span class=\"_ _0\"></span>ign exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve, sha<span class=\"_ _0\"></span>re opti<span class=\"_ _0\"></span>ons re<span class=\"_ _0\"></span>ser<span class=\"_ _2\"></span>ve and retai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d ear<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ngs<span class=\"_ _0\"></span>. Qu<span class=\"_ _0\"></span>anti<span class=\"_ _0\"></span>tative det<span class=\"_ _0\"></span>ail i<span class=\"_ _0\"></span>s sh<span class=\"_ _0\"></span>own in t<span class=\"_ _0\"></span>he co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated st<span class=\"_ _0\"></span>atement of c<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>nge<span class=\"_ _0\"></span>s in e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty.<span class=\"_ _2d6\"> </span>The D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s\u2019 o<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ve whe<span class=\"_ _0\"></span>n man<span class=\"_ _0\"></span>agi<span class=\"_ _0\"></span>ng c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l is to safeg<span class=\"_ _0\"></span>uar<span class=\"_ _0\"></span>d the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s ab<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y to conti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>e as a go<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>rn i<span class=\"_ _0\"></span>n ord<span class=\"_ _0\"></span>er to provi<span class=\"_ _0\"></span>de retur<span class=\"_ _0\"></span>ns for t<span class=\"_ _0\"></span>he sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>hol<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>its fo<span class=\"_ _0\"></span>r othe<span class=\"_ _0\"></span>r stake<span class=\"_ _0\"></span>hol<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>rs an<span class=\"_ _0\"></span>d to mai<span class=\"_ _0\"></span>ntai<span class=\"_ _0\"></span>n an o<span class=\"_ _0\"></span>ptim<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal str<span class=\"_ _0\"></span>uctu<span class=\"_ _0\"></span>re to redu<span class=\"_ _0\"></span>ce th<span class=\"_ _0\"></span>e cos<span class=\"_ _0\"></span>t of ca<span class=\"_ _0\"></span>pita<span class=\"_ _0\"></span>l.<span class=\"_ _2d6\"> </span>The D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s mon<span class=\"_ _0\"></span>itor a n<span class=\"_ _0\"></span>umb<span class=\"_ _0\"></span>er of K<span class=\"_ _0\"></span>PIs at b<span class=\"_ _0\"></span>oth th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up a<span class=\"_ _0\"></span>nd in<span class=\"_ _0\"></span>div<span class=\"_ _0\"></span>idu<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>ubsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y l<span class=\"_ _0\"></span>evel on a m<span class=\"_ _0\"></span>onth<span class=\"_ _0\"></span>ly ba<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>. As pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of the b<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>geta<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y pro<span class=\"_ _0\"></span>ces<span class=\"_ _0\"></span>s, ta<span class=\"_ _0\"></span>rgets a<span class=\"_ _0\"></span>re set w<span class=\"_ _0\"></span>ith res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct to op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ing exp<span class=\"_ _0\"></span>ens<span class=\"_ _0\"></span>es i<span class=\"_ _0\"></span>n orde<span class=\"_ _0\"></span>r to effec<span class=\"_ _0\"></span>tivel<span class=\"_ _0\"></span>y ma<span class=\"_ _0\"></span>nag<span class=\"_ _0\"></span>e the a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>ies of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. Per<span class=\"_ _0\"></span>fo<span class=\"_ _0\"></span>rma<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e is reviewe<span class=\"_ _0\"></span>d on a re<span class=\"_ _0\"></span>gu<span class=\"_ _0\"></span>lar b<span class=\"_ _0\"></span>asi<span class=\"_ _0\"></span>s and a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ate acti<span class=\"_ _0\"></span>ons a<span class=\"_ _0\"></span>re taken as r<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>d. Th<span class=\"_ _0\"></span>ese i<span class=\"_ _0\"></span>ntern<span class=\"_ _0\"></span>al mea<span class=\"_ _0\"></span>sure<span class=\"_ _0\"></span>s ind<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ate the pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce of th<span class=\"_ _0\"></span>e bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess a<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>inst b<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>get<span class=\"_ _0\"></span>/fo<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>ast an<span class=\"_ _0\"></span>d co<span class=\"_ _0\"></span>nfi<span class=\"_ _0\"></span>rm w<span class=\"_ _0\"></span>heth<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>e Gr<span class=\"_ _0\"></span>oup h<span class=\"_ _0\"></span>as adequat<span class=\"_ _1\"></span>e res<span class=\"_ _1\"></span>ources t<span class=\"_ _1\"></span>o meet i<span class=\"_ _1\"></span>ts working capit<span class=\"_ _1\"></span>al requiremen<span class=\"_ _1\"></span>ts.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-395": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2f ws30 gs7ca\">1<span class=\"_ _1\"></span>7<span class=\"_ _5\"></span>. Share<span class=\"_ _1\"></span> capital<span class=\"_ _2d6\"> </span></div><div class=\"gs7cb\"><table class=\"s w26f had\" id=\"_1f0cec33-fa00-4759-9a5b-93e0e69baf1a\"><tr><td></td><td class=\"t m0 x91d h38 y2ae5 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x855 h38 y2ae5 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x91e h35 y2ae5 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2ae5 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x91f h38 y2ae6 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x920 h38 y2ae6 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x921 h35 y2ae6 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2ae6 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x922 h38 y2ae7 ff2 fs19 fc3 sc0 lsd9 wsd0\">Number<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x923 h38 y2ae7 ff2 fs19 fc3 sc0 ls2 ws2\">\u00a3<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x924 h35 y2ae7 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x925 h35 y2ae7 ff4 fs19 fc5 sc0 ls2 ws2\">\u00a3<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2ae8 ff6 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>p, al<span class=\"_ _0\"></span>lot<span class=\"_ _0\"></span>ted a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ly pa<span class=\"_ _0\"></span>id<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27e7 w4ad h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ord<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res of \u00a30.0<span class=\"_ _0\"></span>01 at b<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng of th<span class=\"_ _0\"></span>e yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x926 y27e8 w4ae h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">361,<span class=\"_ _1\"></span>303,<span class=\"_ _1\"></span>143<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x927 y27e8 w4af h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">361,303<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x928 y27e7 w4b0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">361,303<span class=\"_ _1\"></span>,1<span class=\"_ _1\"></span>43<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x929 y27e7 w4b1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">361,303<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w4b2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsc wsb\">Share<span class=\"_ _1\"></span> buybacks<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92a y282f w4b3 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfe wsf7\">(33,367<span class=\"_ _5\"></span>,364)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92b y282f w4b4 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(3<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92c y2830 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92d y2830 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w4b5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ord<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res of \u00a30.0<span class=\"_ _0\"></span>01 at e<span class=\"_ _0\"></span>nd of t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92e y27ec w4b6 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">327<span class=\"_ _5\"></span>,935,779<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92f y27ec w4b7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">327<span class=\"_ _5\"></span>,936<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x930 y27eb w4b8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">361,303,<span class=\"_ _5\"></span>143<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x931 y27eb w4b9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">361<span class=\"_ _1\"></span>,3<span class=\"_ _0\"></span>03<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7cc\">No o<span class=\"_ _0\"></span>rdin<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res were is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n 202<span class=\"_ _1\"></span>4 o<span class=\"_ _0\"></span>r 2023 in co<span class=\"_ _0\"></span>nne<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on w<span class=\"_ _0\"></span>ith e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyee sh<span class=\"_ _0\"></span>are s<span class=\"_ _0\"></span>che<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7cd\">The s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>e cap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l red<span class=\"_ _0\"></span>uce<span class=\"_ _0\"></span>d by \u00a30.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e year (2023: \u00a3nil) as a res<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t of sha<span class=\"_ _0\"></span>re buy<span class=\"_ _0\"></span>bac<span class=\"_ _0\"></span>ks an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7ce\">Inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e total nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of or<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng are 8<span class=\"_ _0\"></span>,038,4<span class=\"_ _0\"></span>83 (2023: 16,614,054) sha<span class=\"_ _0\"></span>res he<span class=\"_ _0\"></span>ld by th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls4d ws2 gs7cf\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s Empl<span class=\"_ _0\"></span>oyee B<span class=\"_ _0\"></span>enef<span class=\"_ _0\"></span>it T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>ust, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>des 7<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>897<span class=\"_ _5\"></span>,659 s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res (2023<span class=\"_ _1\"></span>: 16,<span class=\"_ _0\"></span>473<span class=\"_ _1\"></span>,<span class=\"_ _0\"></span>230) that we<span class=\"_ _0\"></span>re pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>sed (ni<span class=\"_ _0\"></span>l pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7d0\">(202<span class=\"_ _1\"></span>3: 3,<span class=\"_ _0\"></span>290,0<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>0) an<span class=\"_ _0\"></span>d 8,575,<span class=\"_ _0\"></span>571 (2023: 3,288,0<span class=\"_ _0\"></span>09) u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d to satis<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>y emp<span class=\"_ _0\"></span>loyee s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re opti<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ns) and 4,0<span class=\"_ _0\"></span>51,362 </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7d1\">(202<span class=\"_ _1\"></span>3: 5,<span class=\"_ _0\"></span>4<span class=\"_ _1\"></span>28,<span class=\"_ _0\"></span>551<span class=\"_ _1\"></span>) s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res he<span class=\"_ _0\"></span>ld by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s Sha<span class=\"_ _0\"></span>re In<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span>ive Pla<span class=\"_ _0\"></span>n T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs7d2\">18. S<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re p<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>um a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div><div class=\"gs7d3\"><table class=\"s w4ba hc9\" id=\"_8bc90106-5292-42ac-94b8-cb3f27eb0d1f\"><tr><td></td><td class=\"t m0 x250 h38 y2ae9 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2ae9 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2aea ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2aea ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e5 w4bb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x932 y27e6 w4bc h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x933 y27e5 w4bd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w4be h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Exer<span class=\"_ _1\"></span>cise o<span class=\"_ _1\"></span>f option<span class=\"_ _1\"></span>s \u2013 proceed<span class=\"_ _1\"></span>s receiv<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x934 y27e8 w161 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x935 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w121 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Capital<span class=\"_ _1\"></span> reduction<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x936 y282f w4bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(29<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x352 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w4c0 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">At<span class=\"_ _1\"></span> 31 December<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x937 y27ec wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x938 y27eb w4c1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>93<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7d4\">On 12 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>eted a ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n exercis<span class=\"_ _0\"></span>e un<span class=\"_ _0\"></span>der s<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ion 6<span class=\"_ _0\"></span>41 of the Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ani<span class=\"_ _0\"></span>es Act </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7d5\">200<span class=\"_ _0\"></span>6. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt, t<span class=\"_ _0\"></span>he ent<span class=\"_ _0\"></span>ire sh<span class=\"_ _0\"></span>are p<span class=\"_ _0\"></span>remi<span class=\"_ _0\"></span>um b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e at that date of \u00a3293,4<span class=\"_ _0\"></span>86,755 was c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cel<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d create<span class=\"_ _0\"></span>d an </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7d6\">acc<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ulated p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d now co<span class=\"_ _0\"></span>nsti<span class=\"_ _0\"></span>tutes a di<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>ibu<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le re<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs7d7\">19. Fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n exch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge r<span class=\"_ _0\"></span>ese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve<span class=\"_ _2d6\"> </span></div><div class=\"gs7d8\"><table class=\"s w335 hca\" id=\"_42aa6ef8-7903-4d8f-8bda-5961d90abe06\"><tr><td></td><td class=\"t m0 x255 h35 y2aeb ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2aec w2fc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65d y2aec wff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls87 ws83\">16.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aed w4c2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Exc<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the n<span class=\"_ _0\"></span>et as<span class=\"_ _0\"></span>sets of fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ons<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ec y2aed w3e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aee w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x939 y2aee w4c3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3e w4c2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Exc<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the n<span class=\"_ _0\"></span>et as<span class=\"_ _0\"></span>sets of fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ons<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93a y2a3e w232 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w4c4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Re<span class=\"_ _0\"></span>cla<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s on di<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>al of di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93b y2a3f w4c5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(8<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93c y27eb w129 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsfd wsf6\">5.3<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7d9\">Exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es rel<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g to the tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion of t<span class=\"_ _0\"></span>he net a<span class=\"_ _0\"></span>ssets of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s fro<span class=\"_ _0\"></span>m the<span class=\"_ _0\"></span>ir fu<span class=\"_ _0\"></span>nct<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws123 gs7da\">cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy into th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _0\"></span>\u2019s fun<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy are r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d di<span class=\"_ _0\"></span>rect<span class=\"_ _0\"></span>ly in t<span class=\"_ _0\"></span>he forei<span class=\"_ _0\"></span>gn excha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ves wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls50 ws4d gs7dc\">20<span class=\"_ _1\"></span>. (Ac<span class=\"_ _1\"></span>cumulated<span class=\"_ _1\"></span> losses<span class=\"_ _1\"></span>)/<span class=\"_ _1\"></span>retain<span class=\"_ _1\"></span>ed earnings<span class=\"_ _2d6\"> </span></div><div class=\"gs5dd\"><table class=\"s w4c6 hcb\" id=\"_ff56218d-ecb9-47ed-bb3c-0d147b84b6ce\"><tr><td></td><td class=\"t m0 x1c4 h35 y2aef ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a62 w2fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93d y2a62 w101 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.6<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a38 w109 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>ran<span class=\"_ _0\"></span>sfer of s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re opti<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93e y2a38 w4c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a39 w162 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Purc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>se of own s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93f y2a39 w3d9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3a w103 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Loss for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x940 y2a3a w77 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>8.<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a64 w306 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x941 y2a64 wf5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd4 wscb\">(84<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3c w109 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>ran<span class=\"_ _0\"></span>sfer of s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re opti<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x942 y2a3c w11b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">6.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w4c8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Bu<span class=\"_ _0\"></span>yba<span class=\"_ _0\"></span>ck a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cel<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of own s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x943 y2a3d w4c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(33<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w121 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Capital<span class=\"_ _1\"></span> reduction<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x944 y2a65 w102 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">293.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w103 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Loss for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x945 y2a3f w4ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">8.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w313 h91\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x946 y27eb wf4 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">190.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7dd\">The t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sfer of sh<span class=\"_ _0\"></span>are o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n cost<span class=\"_ _0\"></span>s is in re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on to th<span class=\"_ _0\"></span>e exercise of s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re opti<span class=\"_ _0\"></span>ons d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he year a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7de\">cost<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>are opt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>re tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red to (acc<span class=\"_ _0\"></span>umu<span class=\"_ _0\"></span>lated l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es)/<span class=\"_ _1\"></span>ret<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed e<span class=\"_ _0\"></span>arn<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7df\">Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024, \u00a3nil (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>1.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) of ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>s were pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d by the EBT </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7e0\">for the p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ses of s<span class=\"_ _0\"></span>atisf<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyee s<span class=\"_ _0\"></span>hare o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n pl<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e num<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r of sha<span class=\"_ _0\"></span>res pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d was ni<span class=\"_ _0\"></span>l an<span class=\"_ _0\"></span>d the aver<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7e1\">pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e was \u00a3ni<span class=\"_ _0\"></span>l (202<span class=\"_ _1\"></span>3: 3.<span class=\"_ _0\"></span>3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd \u00a30.53). All s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res have a no<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>al va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of \u00a30.001.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7e2\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>ed a s<span class=\"_ _0\"></span>hare b<span class=\"_ _0\"></span>uyb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e in M<span class=\"_ _0\"></span>arch 2024 to buy an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>el up to \u00a325 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on of s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7e3\">ord<span class=\"_ _0\"></span>er to retur<span class=\"_ _0\"></span>n valu<span class=\"_ _0\"></span>e to sha<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ost of th<span class=\"_ _0\"></span>e sha<span class=\"_ _0\"></span>res c<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d redu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s s<span class=\"_ _0\"></span>hare c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7e4\">wit<span class=\"_ _0\"></span>h an eq<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>e in t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>on res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve. Th<span class=\"_ _0\"></span>e fu<span class=\"_ _0\"></span>ll co<span class=\"_ _0\"></span>st of the b<span class=\"_ _0\"></span>uyb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>sive of sta<span class=\"_ _0\"></span>mp d<span class=\"_ _0\"></span>ut<span class=\"_ _0\"></span>y and </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7e5\">bro<span class=\"_ _0\"></span>ker fees is d<span class=\"_ _0\"></span>ebi<span class=\"_ _0\"></span>ted to retai<span class=\"_ _0\"></span>ned e<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>gs. T<span class=\"_ _0\"></span>his p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e was co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>leted o<span class=\"_ _0\"></span>n 15 Octob<span class=\"_ _0\"></span>er 2024 with th<span class=\"_ _0\"></span>e pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7e6\">of 27<span class=\"_ _5\"></span>,30<span class=\"_ _0\"></span>8,339 o<span class=\"_ _0\"></span>rdi<span class=\"_ _0\"></span>nar<span class=\"_ _2\"></span>y share<span class=\"_ _0\"></span>s, an<span class=\"_ _0\"></span>d the p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>me wa<span class=\"_ _0\"></span>s exten<span class=\"_ _0\"></span>ded to up to a fu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er \u00a325 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on of s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s. I<span class=\"_ _0\"></span>n the yea<span class=\"_ _0\"></span>r </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7e7\">to 31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, 33.5 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n sha<span class=\"_ _0\"></span>res were p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed for c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of \u00a333.7 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ve of fees an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7e8\">expen<span class=\"_ _0\"></span>ses u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g 9.3% of the c<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>p sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>. 0.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n of the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7e9\">were p<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>llat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n as at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7ea\">On 12 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>eted a ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n exercis<span class=\"_ _0\"></span>e un<span class=\"_ _0\"></span>der s<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ion 6<span class=\"_ _0\"></span>41 of the Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ani<span class=\"_ _0\"></span>es Act </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7eb\">200<span class=\"_ _0\"></span>6. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt, t<span class=\"_ _0\"></span>he ent<span class=\"_ _0\"></span>ire sh<span class=\"_ _0\"></span>are p<span class=\"_ _0\"></span>remi<span class=\"_ _0\"></span>um b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e at that date of \u00a3293,4<span class=\"_ _0\"></span>86,755 was c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cel<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d create<span class=\"_ _0\"></span>d an </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7ec\">acc<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ulated p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d now co<span class=\"_ _0\"></span>nsti<span class=\"_ _0\"></span>tutes a di<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>ibu<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le re<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-433": {
   "value": "1<span class=\"_ _1\"></span>7<span class=\"_ _5\"></span>. Share<span class=\"_ _1\"></span> capital<span class=\"_ _2d6\"> </span><table class=\"s w26f had\" id=\"_1f0cec33-fa00-4759-9a5b-93e0e69baf1a\"><tr><td></td><td class=\"t m0 x91d h38 y2ae5 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x855 h38 y2ae5 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x91e h35 y2ae5 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2ae5 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x91f h38 y2ae6 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x920 h38 y2ae6 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x921 h35 y2ae6 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2ae6 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x922 h38 y2ae7 ff2 fs19 fc3 sc0 lsd9 wsd0\">Number<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x923 h38 y2ae7 ff2 fs19 fc3 sc0 ls2 ws2\">\u00a3<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x924 h35 y2ae7 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x925 h35 y2ae7 ff4 fs19 fc5 sc0 ls2 ws2\">\u00a3<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 ha y2ae8 ff6 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>p, al<span class=\"_ _0\"></span>lot<span class=\"_ _0\"></span>ted a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>ly pa<span class=\"_ _0\"></span>id<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27e7 w4ad h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ord<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res of \u00a30.0<span class=\"_ _0\"></span>01 at b<span class=\"_ _0\"></span>eg<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng of th<span class=\"_ _0\"></span>e yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x926 y27e8 w4ae h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">361,<span class=\"_ _1\"></span>303,<span class=\"_ _1\"></span>143<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x927 y27e8 w4af h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls1e ws26\">361,303<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x928 y27e7 w4b0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">361,303<span class=\"_ _1\"></span>,1<span class=\"_ _1\"></span>43<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x929 y27e7 w4b1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">361,303<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w4b2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsc wsb\">Share<span class=\"_ _1\"></span> buybacks<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92a y282f w4b3 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfe wsf7\">(33,367<span class=\"_ _5\"></span>,364)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92b y282f w4b4 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls52 ws50\">(3<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92c y2830 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92d y2830 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w4b5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ord<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res of \u00a30.0<span class=\"_ _0\"></span>01 at e<span class=\"_ _0\"></span>nd of t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92e y27ec w4b6 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">327<span class=\"_ _5\"></span>,935,779<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x92f y27ec w4b7 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls7e ws7a\">327<span class=\"_ _5\"></span>,936<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x930 y27eb w4b8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">361,303,<span class=\"_ _5\"></span>143<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x931 y27eb w4b9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">361<span class=\"_ _1\"></span>,3<span class=\"_ _0\"></span>03<span class=\"_ _2d6\"> </span></div></td></tr></table>No o<span class=\"_ _0\"></span>rdin<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res were is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n 202<span class=\"_ _1\"></span>4 o<span class=\"_ _0\"></span>r 2023 in co<span class=\"_ _0\"></span>nne<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>on w<span class=\"_ _0\"></span>ith e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyee sh<span class=\"_ _0\"></span>are s<span class=\"_ _0\"></span>che<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span>The s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>e cap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l red<span class=\"_ _0\"></span>uce<span class=\"_ _0\"></span>d by \u00a30.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n in th<span class=\"_ _0\"></span>e year (2023: \u00a3nil) as a res<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>t of sha<span class=\"_ _0\"></span>re buy<span class=\"_ _0\"></span>bac<span class=\"_ _0\"></span>ks an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns.<span class=\"_ _2d6\"> </span>Inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e total nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er of or<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s out<span class=\"_ _0\"></span>stan<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng are 8<span class=\"_ _0\"></span>,038,4<span class=\"_ _0\"></span>83 (2023: 16,614,054) sha<span class=\"_ _0\"></span>res he<span class=\"_ _0\"></span>ld by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s Empl<span class=\"_ _0\"></span>oyee B<span class=\"_ _0\"></span>enef<span class=\"_ _0\"></span>it T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>ust, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>des 7<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>897<span class=\"_ _5\"></span>,659 s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res (2023<span class=\"_ _1\"></span>: 16,<span class=\"_ _0\"></span>473<span class=\"_ _1\"></span>,<span class=\"_ _0\"></span>230) that we<span class=\"_ _0\"></span>re pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>sed (ni<span class=\"_ _0\"></span>l pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d (202<span class=\"_ _1\"></span>3: 3,<span class=\"_ _0\"></span>290,0<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>0) an<span class=\"_ _0\"></span>d 8,575,<span class=\"_ _0\"></span>571 (2023: 3,288,0<span class=\"_ _0\"></span>09) u<span class=\"_ _0\"></span>til<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d to satis<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>y emp<span class=\"_ _0\"></span>loyee s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re opti<span class=\"_ _0\"></span>on p<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ns) and 4,0<span class=\"_ _0\"></span>51,362 (202<span class=\"_ _1\"></span>3: 5,<span class=\"_ _0\"></span>4<span class=\"_ _1\"></span>28,<span class=\"_ _0\"></span>551<span class=\"_ _1\"></span>) s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res he<span class=\"_ _0\"></span>ld by th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s Sha<span class=\"_ _0\"></span>re In<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span>ive Pla<span class=\"_ _0\"></span>n T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-434": {
   "value": "18. S<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re p<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>um a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span><table class=\"s w4ba hc9\" id=\"_8bc90106-5292-42ac-94b8-cb3f27eb0d1f\"><tr><td></td><td class=\"t m0 x250 h38 y2ae9 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2ae9 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2aea ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2aea ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e5 w4bb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x932 y27e6 w4bc h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x933 y27e5 w4bd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w4be h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Exer<span class=\"_ _1\"></span>cise o<span class=\"_ _1\"></span>f option<span class=\"_ _1\"></span>s \u2013 proceed<span class=\"_ _1\"></span>s receiv<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x934 y27e8 w161 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x935 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w121 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Capital<span class=\"_ _1\"></span> reduction<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x936 y282f w4bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd7 wsce\">(29<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x352 y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w4c0 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">At<span class=\"_ _1\"></span> 31 December<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x937 y27ec wea h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x938 y27eb w4c1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">2<span class=\"_ _2\"></span>93<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table>On 12 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>eted a ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n exercis<span class=\"_ _0\"></span>e un<span class=\"_ _0\"></span>der s<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ion 6<span class=\"_ _0\"></span>41 of the Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ani<span class=\"_ _0\"></span>es Act 200<span class=\"_ _0\"></span>6. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt, t<span class=\"_ _0\"></span>he ent<span class=\"_ _0\"></span>ire sh<span class=\"_ _0\"></span>are p<span class=\"_ _0\"></span>remi<span class=\"_ _0\"></span>um b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e at that date of \u00a3293,4<span class=\"_ _0\"></span>86,755 was c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cel<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d create<span class=\"_ _0\"></span>d an acc<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ulated p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d now co<span class=\"_ _0\"></span>nsti<span class=\"_ _0\"></span>tutes a di<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>ibu<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le re<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve.<span class=\"_ _2d6\"> </span>19. Fore<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n exch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge r<span class=\"_ _0\"></span>ese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve<span class=\"_ _2d6\"> </span><table class=\"s w335 hca\" id=\"_42aa6ef8-7903-4d8f-8bda-5961d90abe06\"><tr><td></td><td class=\"t m0 x255 h35 y2aeb ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2aec w2fc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x65d y2aec wff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls87 ws83\">16.9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aed w4c2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Exc<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the n<span class=\"_ _0\"></span>et as<span class=\"_ _0\"></span>sets of fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ons<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4ec y2aed w3e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(2.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2aee w306 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x939 y2aee w4c3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">14.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3e w4c2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Exc<span class=\"_ _0\"></span>han<span class=\"_ _0\"></span>ge d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce o<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the n<span class=\"_ _0\"></span>et as<span class=\"_ _0\"></span>sets of fo<span class=\"_ _0\"></span>reig<span class=\"_ _0\"></span>n op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ons<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93a y2a3e w232 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w4c4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Re<span class=\"_ _0\"></span>cla<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to prof<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>nd l<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>s on di<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>al of di<span class=\"_ _0\"></span>sco<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93b y2a3f w4c5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(8<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w313 h93\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93c y27eb w129 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsfd wsf6\">5.3<span class=\"_ _2d6\"> </span></div></td></tr></table>Exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>es rel<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g to the tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>ion of t<span class=\"_ _0\"></span>he net a<span class=\"_ _0\"></span>ssets of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s fro<span class=\"_ _0\"></span>m the<span class=\"_ _0\"></span>ir fu<span class=\"_ _0\"></span>nct<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>al cur<span class=\"_ _0\"></span>ren<span class=\"_ _0\"></span>cy into th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny<span class=\"_ _0\"></span>\u2019s fun<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ncy are r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d di<span class=\"_ _0\"></span>rect<span class=\"_ _0\"></span>ly in t<span class=\"_ _0\"></span>he forei<span class=\"_ _0\"></span>gn excha<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ves wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n eq<span class=\"_ _0\"></span>uit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>20<span class=\"_ _1\"></span>. (Ac<span class=\"_ _1\"></span>cumulated<span class=\"_ _1\"></span> losses<span class=\"_ _1\"></span>)/<span class=\"_ _1\"></span>retain<span class=\"_ _1\"></span>ed earnings<span class=\"_ _2d6\"> </span><table class=\"s w4c6 hcb\" id=\"_ff56218d-ecb9-47ed-bb3c-0d147b84b6ce\"><tr><td></td><td class=\"t m0 x1c4 h35 y2aef ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a62 w2fc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 1 Jan<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93d y2a62 w101 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.6<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a38 w109 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>ran<span class=\"_ _0\"></span>sfer of s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re opti<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93e y2a38 w4c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a39 w162 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Purc<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>se of own s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93f y2a39 w3d9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd4 wscb\">(1.8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3a w103 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Loss for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x940 y2a3a w77 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>8.<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a64 w306 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x941 y2a64 wf5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd4 wscb\">(84<span class=\"_ _0\"></span>.9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3c w109 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>ran<span class=\"_ _0\"></span>sfer of s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re opti<span class=\"_ _0\"></span>on c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x942 y2a3c w11b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">6.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3d w4c8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Bu<span class=\"_ _0\"></span>yba<span class=\"_ _0\"></span>ck a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cel<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of own s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x943 y2a3d w4c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(33<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a65 w121 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Capital<span class=\"_ _1\"></span> reduction<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x944 y2a65 w102 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">293.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f w103 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Loss for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x945 y2a3f w4ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">8.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w313 h91\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls2 ws2\">At 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x946 y27eb wf4 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">190.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr></table>The t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sfer of sh<span class=\"_ _0\"></span>are o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n cost<span class=\"_ _0\"></span>s is in re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on to th<span class=\"_ _0\"></span>e exercise of s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re opti<span class=\"_ _0\"></span>ons d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he year a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>r ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iated cost<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>are opt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns rese<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ve whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>re tra<span class=\"_ _0\"></span>nsfer<span class=\"_ _0\"></span>red to (acc<span class=\"_ _0\"></span>umu<span class=\"_ _0\"></span>lated l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es)/<span class=\"_ _1\"></span>ret<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>ed e<span class=\"_ _0\"></span>arn<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs.<span class=\"_ _2d6\"> </span>Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year e<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>d 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024, \u00a3nil (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>1.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) of ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>s were pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d by the EBT for the p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>ses of s<span class=\"_ _0\"></span>atisf<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyee s<span class=\"_ _0\"></span>hare o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>n pl<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e num<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r of sha<span class=\"_ _0\"></span>res pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d was ni<span class=\"_ _0\"></span>l an<span class=\"_ _0\"></span>d the aver<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>e pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se pr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e was \u00a3ni<span class=\"_ _0\"></span>l (202<span class=\"_ _1\"></span>3: 3.<span class=\"_ _0\"></span>3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd \u00a30.53). All s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>res have a no<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>al va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e of \u00a30.001.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>enc<span class=\"_ _0\"></span>ed a s<span class=\"_ _0\"></span>hare b<span class=\"_ _0\"></span>uyb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e in M<span class=\"_ _0\"></span>arch 2024 to buy an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>el up to \u00a325 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on of s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s in ord<span class=\"_ _0\"></span>er to retur<span class=\"_ _0\"></span>n valu<span class=\"_ _0\"></span>e to sha<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e no<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>al c<span class=\"_ _0\"></span>ost of th<span class=\"_ _0\"></span>e sha<span class=\"_ _0\"></span>res c<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d redu<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>s the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s s<span class=\"_ _0\"></span>hare c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l wit<span class=\"_ _0\"></span>h an eq<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>l in<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>e in t<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>on res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve. Th<span class=\"_ _0\"></span>e fu<span class=\"_ _0\"></span>ll co<span class=\"_ _0\"></span>st of the b<span class=\"_ _0\"></span>uyb<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>sive of sta<span class=\"_ _0\"></span>mp d<span class=\"_ _0\"></span>ut<span class=\"_ _0\"></span>y and bro<span class=\"_ _0\"></span>ker fees is d<span class=\"_ _0\"></span>ebi<span class=\"_ _0\"></span>ted to retai<span class=\"_ _0\"></span>ned e<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>nin<span class=\"_ _0\"></span>gs. T<span class=\"_ _0\"></span>his p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e was co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>leted o<span class=\"_ _0\"></span>n 15 Octob<span class=\"_ _0\"></span>er 2024 with th<span class=\"_ _0\"></span>e pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se of 27<span class=\"_ _5\"></span>,30<span class=\"_ _0\"></span>8,339 o<span class=\"_ _0\"></span>rdi<span class=\"_ _0\"></span>nar<span class=\"_ _2\"></span>y share<span class=\"_ _0\"></span>s, an<span class=\"_ _0\"></span>d the p<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>me wa<span class=\"_ _0\"></span>s exten<span class=\"_ _0\"></span>ded to up to a fu<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er \u00a325 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on of s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s. I<span class=\"_ _0\"></span>n the yea<span class=\"_ _0\"></span>r to 31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, 33.5 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n sha<span class=\"_ _0\"></span>res were p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed for c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on of \u00a333.7 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ve of fees an<span class=\"_ _0\"></span>d expen<span class=\"_ _0\"></span>ses u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>gra<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>e rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>g 9.3% of the c<span class=\"_ _0\"></span>all<span class=\"_ _0\"></span>ed u<span class=\"_ _0\"></span>p sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>api<span class=\"_ _0\"></span>tal<span class=\"_ _0\"></span>. 0.2 m<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n of the p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s were p<span class=\"_ _0\"></span>end<span class=\"_ _0\"></span>ing c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>llat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n as at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024.<span class=\"_ _2d6\"> </span>On 12 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r 202<span class=\"_ _1\"></span>4, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>eted a ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal re<span class=\"_ _0\"></span>du<span class=\"_ _0\"></span>ctio<span class=\"_ _0\"></span>n exercis<span class=\"_ _0\"></span>e un<span class=\"_ _0\"></span>der s<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>ion 6<span class=\"_ _0\"></span>41 of the Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ani<span class=\"_ _0\"></span>es Act 200<span class=\"_ _0\"></span>6. A<span class=\"_ _0\"></span>s a resu<span class=\"_ _0\"></span>lt, t<span class=\"_ _0\"></span>he ent<span class=\"_ _0\"></span>ire sh<span class=\"_ _0\"></span>are p<span class=\"_ _0\"></span>remi<span class=\"_ _0\"></span>um b<span class=\"_ _0\"></span>ala<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e at that date of \u00a3293,4<span class=\"_ _0\"></span>86,755 was c<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>cel<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>d create<span class=\"_ _0\"></span>d an acc<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ulated p<span class=\"_ _0\"></span>rof<span class=\"_ _0\"></span>it wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t an<span class=\"_ _0\"></span>d los<span class=\"_ _0\"></span>s ac<span class=\"_ _0\"></span>cou<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d now co<span class=\"_ _0\"></span>nsti<span class=\"_ _0\"></span>tutes a di<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>ibu<span class=\"_ _0\"></span>tab<span class=\"_ _0\"></span>le re<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-396": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls3e ws3f gs7ee\">21. Share-based payment<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7ef\">The C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny ope<span class=\"_ _0\"></span>rates sh<span class=\"_ _0\"></span>are sc<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>mes fo<span class=\"_ _0\"></span>r all e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyee<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The ter<span class=\"_ _0\"></span>ms of th<span class=\"_ _0\"></span>e mai<span class=\"_ _0\"></span>n cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>es fro<span class=\"_ _0\"></span>m </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7f0\">whi<span class=\"_ _0\"></span>ch th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyees be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>it a<span class=\"_ _0\"></span>re set ou<span class=\"_ _0\"></span>t be<span class=\"_ _0\"></span>low.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs7f1\">Post<span class=\"_ _5\"></span>-I<span class=\"_ _0\"></span>PO emplo<span class=\"_ _1\"></span>yee sh<span class=\"_ _1\"></span>are plans<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7f2\">Si<span class=\"_ _0\"></span>nce t<span class=\"_ _0\"></span>he Co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>any<span class=\"_ _0\"></span>\u2019s ad<span class=\"_ _0\"></span>mis<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>on on t<span class=\"_ _0\"></span>he Lon<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>n Stoc<span class=\"_ _0\"></span>k Exch<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge, th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny has o<span class=\"_ _0\"></span>per<span class=\"_ _0\"></span>ated a dis<span class=\"_ _0\"></span>cret<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7f3\">sha<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>-bas<span class=\"_ _0\"></span>ed Lo<span class=\"_ _0\"></span>ng-<span class=\"_ _1\"></span>T<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>m In<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span>ive Pla<span class=\"_ _0\"></span>n (\u201c<span class=\"_ _0\"></span>L<span class=\"_ _1\"></span>TIP<span class=\"_ _2\"></span>\u201d). In Novemb<span class=\"_ _0\"></span>er 2020, the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny intro<span class=\"_ _0\"></span>duc<span class=\"_ _0\"></span>ed a S<span class=\"_ _0\"></span>hare I<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ve Plan </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7f4\">(\u201c<span class=\"_ _0\"></span>S<span class=\"_ _0\"></span>IP<span class=\"_ _2\"></span>\u201d) ap<span class=\"_ _0\"></span>proved by HM<span class=\"_ _0\"></span>RC, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h in<span class=\"_ _0\"></span>clu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>s par<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rsh<span class=\"_ _0\"></span>ip s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d matchi<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>is pl<span class=\"_ _0\"></span>an i<span class=\"_ _0\"></span>s now on<span class=\"_ _0\"></span>ly re<span class=\"_ _0\"></span>levant for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs7f5\">UK<span class=\"_ _1\"></span>-ba<span class=\"_ _1\"></span>sed employ<span class=\"_ _1\"></span>ees.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7f6\">The m<span class=\"_ _0\"></span>ain featu<span class=\"_ _0\"></span>res of th<span class=\"_ _0\"></span>e L<span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>IP an<span class=\"_ _0\"></span>d SI<span class=\"_ _0\"></span>P are s<span class=\"_ _0\"></span>et ou<span class=\"_ _0\"></span>t be<span class=\"_ _0\"></span>low.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls2 ws2 gs7f7\">Post-I<span class=\"_ _0\"></span>PO \u2013 L<span class=\"_ _1\"></span>TI<span class=\"_ _0\"></span>P<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls2 ws2 gs7f8\">For<span class=\"_ _0\"></span>m of L<span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>I<span class=\"_ _0\"></span>P Awards<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7f9\">The B<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>rd gr<span class=\"_ _0\"></span>ants awar<span class=\"_ _0\"></span>ds in th<span class=\"_ _0\"></span>e form of re<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>icted s<span class=\"_ _0\"></span>tock u<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>s at no cos<span class=\"_ _0\"></span>t or o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns to acq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>re sh<span class=\"_ _0\"></span>ares at n<span class=\"_ _0\"></span>o cost  </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsb7 wse8 gs7fa\">(a n<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>t o<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>n).<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls171 ws172 gs7fb\">Performance<span class=\"_ _1\"></span> conditions<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7fc\">L<span class=\"_ _5\"></span>TI<span class=\"_ _0\"></span>P Awards a<span class=\"_ _0\"></span>re not cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>ntly s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>t to per<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s with t<span class=\"_ _0\"></span>he except<span class=\"_ _0\"></span>ion of L<span class=\"_ _1\"></span>TIP Awa<span class=\"_ _0\"></span>rds gr<span class=\"_ _0\"></span>anted to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7fd\">Exec<span class=\"_ _0\"></span>uti<span class=\"_ _0\"></span>ve Dire<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>s whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>re sub<span class=\"_ _0\"></span>jec<span class=\"_ _0\"></span>t to per<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s. Refer to th<span class=\"_ _0\"></span>e Re<span class=\"_ _0\"></span>mun<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n Rep<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t fo<span class=\"_ _0\"></span>r fur<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r detai<span class=\"_ _0\"></span>ls<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7fe\">Any pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>man<span class=\"_ _0\"></span>ce c<span class=\"_ _0\"></span>ond<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on may b<span class=\"_ _0\"></span>e am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ded o<span class=\"_ _0\"></span>r sub<span class=\"_ _0\"></span>stitu<span class=\"_ _0\"></span>ted if o<span class=\"_ _0\"></span>ne o<span class=\"_ _0\"></span>r mo<span class=\"_ _0\"></span>re events oc<span class=\"_ _0\"></span>cur w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h ca<span class=\"_ _0\"></span>use t<span class=\"_ _0\"></span>he B<span class=\"_ _0\"></span>oard to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs7ff\">reaso<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>bly c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>er th<span class=\"_ _0\"></span>at an am<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ded o<span class=\"_ _0\"></span>r su<span class=\"_ _0\"></span>bsti<span class=\"_ _0\"></span>tuted p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>diti<span class=\"_ _0\"></span>on wo<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>d be m<span class=\"_ _0\"></span>ore ap<span class=\"_ _0\"></span>pro<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>iate an<span class=\"_ _0\"></span>d wou<span class=\"_ _0\"></span>ld not </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs800\">be m<span class=\"_ _0\"></span>ateria<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y les<span class=\"_ _0\"></span>s dif<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ult to s<span class=\"_ _0\"></span>atisf<span class=\"_ _0\"></span>y th<span class=\"_ _0\"></span>an o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly inten<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls2 ws2 gs802\">V<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>nd r<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>e of L<span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>I<span class=\"_ _0\"></span>P Awards<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs803\">L<span class=\"_ _5\"></span>TI<span class=\"_ _0\"></span>P Awards g<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nted to emp<span class=\"_ _0\"></span>loyees<span class=\"_ _0\"></span>, exclud<span class=\"_ _0\"></span>ing E<span class=\"_ _0\"></span>xec<span class=\"_ _0\"></span>utive D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctors<span class=\"_ _0\"></span>, cur<span class=\"_ _0\"></span>rent<span class=\"_ _0\"></span>ly vest s<span class=\"_ _0\"></span>ubj<span class=\"_ _0\"></span>ect to co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d ser<span class=\"_ _2\"></span>vice o<span class=\"_ _0\"></span>nly </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs804\">(\u201c<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>im<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>-B<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d Vestin<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>\u201d) i<span class=\"_ _0\"></span>n acc<span class=\"_ _0\"></span>ord<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>h a vesti<span class=\"_ _0\"></span>ng sc<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>dul<span class=\"_ _0\"></span>e set at g<span class=\"_ _0\"></span>rant<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs805\">L<span class=\"_ _5\"></span>TI<span class=\"_ _0\"></span>P Awards g<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nted to Execu<span class=\"_ _0\"></span>tive D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctors ves<span class=\"_ _0\"></span>t at the e<span class=\"_ _0\"></span>nd of th<span class=\"_ _0\"></span>ree yea<span class=\"_ _0\"></span>rs su<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>ct to ac<span class=\"_ _0\"></span>hievem<span class=\"_ _0\"></span>ent of p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>nce </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs806\">conditions.<span class=\"_ _1\"></span> Further de<span class=\"_ _1\"></span>tails are<span class=\"_ _1\"></span> shown in<span class=\"_ _1\"></span> the Remunerat<span class=\"_ _1\"></span>ion Repor<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs807\">The B<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>rd may deter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>e at gr<span class=\"_ _0\"></span>ant th<span class=\"_ _0\"></span>at an L<span class=\"_ _1\"></span>TIP Award i<span class=\"_ _0\"></span>s sub<span class=\"_ _0\"></span>jec<span class=\"_ _0\"></span>t to an add<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>ing p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d foll<span class=\"_ _0\"></span>owi<span class=\"_ _0\"></span>ng vesti<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs808\">(a \u201cH<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Per<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>\u201d). L<span class=\"_ _5\"></span>TI<span class=\"_ _0\"></span>P O<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns wi<span class=\"_ _0\"></span>ll b<span class=\"_ _0\"></span>e exercis<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>e fro<span class=\"_ _0\"></span>m the d<span class=\"_ _0\"></span>ate of vestin<span class=\"_ _0\"></span>g or<span class=\"_ _1\"></span>, if a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>cab<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e, the e<span class=\"_ _0\"></span>nd of th<span class=\"_ _0\"></span>e Ho<span class=\"_ _0\"></span>ldi<span class=\"_ _0\"></span>ng </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs809\">Per<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d unti<span class=\"_ _0\"></span>l the tent<span class=\"_ _0\"></span>h ann<span class=\"_ _0\"></span>iver<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y of the g<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nt date, or suc<span class=\"_ _0\"></span>h ea<span class=\"_ _0\"></span>rl<span class=\"_ _0\"></span>ier d<span class=\"_ _0\"></span>ate as the B<span class=\"_ _0\"></span>oard d<span class=\"_ _0\"></span>eterm<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls171 ws172 gs80a\">Cessation<span class=\"_ _1\"></span> of emplo<span class=\"_ _1\"></span>yment<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs80b\">L<span class=\"_ _5\"></span>TI<span class=\"_ _0\"></span>P O<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns may no<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ly be exerc<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d to the ex<span class=\"_ _0\"></span>tent vested for a p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>iod of s<span class=\"_ _0\"></span>ix mo<span class=\"_ _0\"></span>nths af<span class=\"_ _0\"></span>ter c<span class=\"_ _0\"></span>easi<span class=\"_ _0\"></span>ng e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loym<span class=\"_ _0\"></span>ent or </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs80c\">12 months af<span class=\"_ _0\"></span>ter de<span class=\"_ _0\"></span>ath (or su<span class=\"_ _0\"></span>ch oth<span class=\"_ _0\"></span>er p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d as the B<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>rd may deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ne)<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls2 ws2 gs80d\">Post-I<span class=\"_ _0\"></span>PO \u2013 S<span class=\"_ _0\"></span>I<span class=\"_ _0\"></span>P<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls2 ws2 gs80e\">For<span class=\"_ _0\"></span>m of S<span class=\"_ _0\"></span>IP Awa<span class=\"_ _0\"></span>rds<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs80f\">The B<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>rd gr<span class=\"_ _0\"></span>ants awar<span class=\"_ _0\"></span>ds in th<span class=\"_ _0\"></span>e form of p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ip sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>s and m<span class=\"_ _0\"></span>atchi<span class=\"_ _0\"></span>ng sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls171 ws172 gs810\">Performance<span class=\"_ _1\"></span> conditions<span class=\"_ _1\"></span> </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs811\">The<span class=\"_ _0\"></span>re are n<span class=\"_ _0\"></span>o pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns at<span class=\"_ _0\"></span>tac<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>d to par<span class=\"_ _0\"></span>tn<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>shi<span class=\"_ _0\"></span>p sh<span class=\"_ _0\"></span>ares a<span class=\"_ _0\"></span>nd m<span class=\"_ _0\"></span>atchin<span class=\"_ _0\"></span>g sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>. </div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls17d ws17d gs812\">Free shares<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs813\">Unti<span class=\"_ _0\"></span>l 2022 un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he SI<span class=\"_ _0\"></span>P<span class=\"_ _5\"></span>, al<span class=\"_ _0\"></span>l UK e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyees we<span class=\"_ _0\"></span>re el<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>e to rece<span class=\"_ _0\"></span>ive up to a max<span class=\"_ _0\"></span>imu<span class=\"_ _0\"></span>m of \u00a33,60<span class=\"_ _0\"></span>0, or 10% of a<span class=\"_ _0\"></span>nnu<span class=\"_ _0\"></span>al s<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs814\">if le<span class=\"_ _0\"></span>ss, of f<span class=\"_ _0\"></span>ree sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>s per t<span class=\"_ _0\"></span>ax year. F<span class=\"_ _1\"></span>re<span class=\"_ _0\"></span>e sha<span class=\"_ _0\"></span>res we<span class=\"_ _0\"></span>re awarde<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>nua<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>y wit<span class=\"_ _0\"></span>h a for<span class=\"_ _0\"></span>feitu<span class=\"_ _0\"></span>re pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>od of t<span class=\"_ _0\"></span>wo years a<span class=\"_ _0\"></span>nd a </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs815\">holding<span class=\"_ _1\"></span> period of<span class=\"_ _1\"></span> three y<span class=\"_ _1\"></span>ears.<span class=\"_ _2d6\"> </span></div><div class=\"t m9 h87 ff6 fs26 fc4 sc0 ls171 ws172 gs816\">Mat<span class=\"_ _1\"></span>ching shares<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs817\">UK e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loyees a<span class=\"_ _0\"></span>re invi<span class=\"_ _0\"></span>ted to buy pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tn<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>shi<span class=\"_ _0\"></span>p sh<span class=\"_ _0\"></span>ares f<span class=\"_ _0\"></span>rom p<span class=\"_ _0\"></span>re-ta<span class=\"_ _0\"></span>x sa<span class=\"_ _0\"></span>lar<span class=\"_ _0\"></span>y w<span class=\"_ _0\"></span>ith a m<span class=\"_ _0\"></span>axi<span class=\"_ _0\"></span>mum i<span class=\"_ _0\"></span>nvestm<span class=\"_ _0\"></span>ent in e<span class=\"_ _0\"></span>ach t<span class=\"_ _0\"></span>ax year </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs818\">of \u00a31,8<span class=\"_ _0\"></span>00, o<span class=\"_ _0\"></span>r 10% of an<span class=\"_ _0\"></span>nua<span class=\"_ _0\"></span>l sa<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y if l<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>. Par<span class=\"_ _2\"></span>tners<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p sha<span class=\"_ _0\"></span>res a<span class=\"_ _0\"></span>re pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>sed ever<span class=\"_ _2\"></span>y month<span class=\"_ _0\"></span>. Emp<span class=\"_ _0\"></span>loyees c<span class=\"_ _0\"></span>an w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>draw </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs819\">par<span class=\"_ _2\"></span>tner<span class=\"_ _0\"></span>shi<span class=\"_ _0\"></span>p sh<span class=\"_ _0\"></span>ares f<span class=\"_ _0\"></span>rom th<span class=\"_ _0\"></span>e SI<span class=\"_ _0\"></span>P at any ti<span class=\"_ _0\"></span>me al<span class=\"_ _0\"></span>tho<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the<span class=\"_ _0\"></span>re are t<span class=\"_ _0\"></span>ax adva<span class=\"_ _0\"></span>ntag<span class=\"_ _0\"></span>es if t<span class=\"_ _0\"></span>he s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s are reta<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>IP for </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs81a\">at lea<span class=\"_ _0\"></span>st th<span class=\"_ _0\"></span>ree yea<span class=\"_ _0\"></span>rs.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs81b\">Up to 2022 par<span class=\"_ _2\"></span>tici<span class=\"_ _0\"></span>pants we<span class=\"_ _0\"></span>re award<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>ne match<span class=\"_ _0\"></span>ing s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re for ever<span class=\"_ _0\"></span>y on<span class=\"_ _0\"></span>e pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p sha<span class=\"_ _0\"></span>re they p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase<span class=\"_ _0\"></span>d, an<span class=\"_ _0\"></span>d fro<span class=\"_ _0\"></span>m </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs81c\">2023 this was i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span>d to two match<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g sha<span class=\"_ _0\"></span>res for ever<span class=\"_ _0\"></span>y p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ner<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ip s<span class=\"_ _0\"></span>hare p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>ed. T<span class=\"_ _0\"></span>here a<span class=\"_ _0\"></span>re tax a<span class=\"_ _0\"></span>dvanta<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>s to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs81d\">par<span class=\"_ _2\"></span>ticip<span class=\"_ _0\"></span>ants i<span class=\"_ _0\"></span>f the m<span class=\"_ _0\"></span>atchi<span class=\"_ _0\"></span>ng sh<span class=\"_ _0\"></span>ares a<span class=\"_ _0\"></span>re retai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e SI<span class=\"_ _0\"></span>P for at l<span class=\"_ _0\"></span>east t<span class=\"_ _0\"></span>hree ye<span class=\"_ _0\"></span>ars<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs81e\">Wh<span class=\"_ _0\"></span>ils<span class=\"_ _0\"></span>t em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyed by the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pany<span class=\"_ _1\"></span>, a pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>cip<span class=\"_ _0\"></span>ant w<span class=\"_ _0\"></span>ill fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>feit a co<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g num<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r of matchi<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s if th<span class=\"_ _0\"></span>ey cho<span class=\"_ _0\"></span>ose </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs81f\">to tran<span class=\"_ _0\"></span>sfer pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p sha<span class=\"_ _0\"></span>res ou<span class=\"_ _0\"></span>t of the S<span class=\"_ _0\"></span>IP w<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>in th<span class=\"_ _0\"></span>ree yea<span class=\"_ _0\"></span>rs of t<span class=\"_ _0\"></span>he date of pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs820\">Un<span class=\"_ _0\"></span>der n<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>mal c<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>umst<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ces, i<span class=\"_ _0\"></span>f a par<span class=\"_ _2\"></span>tici<span class=\"_ _0\"></span>pant l<span class=\"_ _0\"></span>eaves the C<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny before th<span class=\"_ _0\"></span>e se<span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>d an<span class=\"_ _0\"></span>nive<span class=\"_ _0\"></span>rsa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e date of award, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs821\">they wi<span class=\"_ _0\"></span>ll for<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>it th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r matchi<span class=\"_ _0\"></span>ng s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s. If t<span class=\"_ _0\"></span>hey le<span class=\"_ _0\"></span>ave betwe<span class=\"_ _0\"></span>en t<span class=\"_ _0\"></span>wo an<span class=\"_ _0\"></span>d thre<span class=\"_ _0\"></span>e year<span class=\"_ _0\"></span>s of the d<span class=\"_ _0\"></span>ate of award, they reta<span class=\"_ _0\"></span>in </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs822\">the<span class=\"_ _0\"></span>ir match<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g sha<span class=\"_ _0\"></span>res b<span class=\"_ _0\"></span>ut th<span class=\"_ _0\"></span>ose s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s mus<span class=\"_ _0\"></span>t be re<span class=\"_ _0\"></span>moved fro<span class=\"_ _0\"></span>m the S<span class=\"_ _0\"></span>I<span class=\"_ _0\"></span>P and a<span class=\"_ _0\"></span>ny tax ad<span class=\"_ _0\"></span>vanta<span class=\"_ _0\"></span>ges a<span class=\"_ _0\"></span>re los<span class=\"_ _0\"></span>t. If a p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>pant </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs823\">leaves u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ial c<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>umst<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ces, t<span class=\"_ _0\"></span>hey wi<span class=\"_ _0\"></span>ll reta<span class=\"_ _0\"></span>in al<span class=\"_ _0\"></span>l of th<span class=\"_ _0\"></span>eir m<span class=\"_ _0\"></span>atchi<span class=\"_ _0\"></span>ng sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>, rega<span class=\"_ _0\"></span>rdl<span class=\"_ _0\"></span>ess of h<span class=\"_ _0\"></span>ow lo<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>ey have be<span class=\"_ _0\"></span>en </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs824\">hel<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he S<span class=\"_ _0\"></span>IP<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs825\">Pre-IPO emplo<span class=\"_ _1\"></span>yee sh<span class=\"_ _1\"></span>are plans<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls2 ws2 gs826\">EM<span class=\"_ _0\"></span>I Op<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs827\">Pri<span class=\"_ _0\"></span>or to Ju<span class=\"_ _0\"></span>ne 2014, the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny issu<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns to UK s<span class=\"_ _0\"></span>ubsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tak<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>gs<span class=\"_ _0\"></span>\u2019 em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyees un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r the EM<span class=\"_ _0\"></span>I Opt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs828\">Sc<span class=\"_ _0\"></span>hem<span class=\"_ _0\"></span>e. Si<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e the<span class=\"_ _0\"></span>n, th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny is not e<span class=\"_ _0\"></span>lig<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le to is<span class=\"_ _0\"></span>sue u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>e.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 lsb8 wsb6 gs829\">Un<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>ove<span class=\"_ _0\"></span>d O<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs82a\">The C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny had an U<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roved Opti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s Sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>e for al<span class=\"_ _0\"></span>l em<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>oyees of the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up. In a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>orda<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>e wit<span class=\"_ _0\"></span>h stan<span class=\"_ _0\"></span>da<span class=\"_ _0\"></span>rd </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs82b\">vesti<span class=\"_ _0\"></span>ng ter<span class=\"_ _0\"></span>ms, th<span class=\"_ _0\"></span>e ful<span class=\"_ _0\"></span>l award ves<span class=\"_ _0\"></span>ted four yea<span class=\"_ _0\"></span>rs af<span class=\"_ _0\"></span>ter th<span class=\"_ _0\"></span>e vesti<span class=\"_ _0\"></span>ng st<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t date, wi<span class=\"_ _0\"></span>th 25% vesting o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>rst a<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>iver<span class=\"_ _0\"></span>sar<span class=\"_ _2\"></span>y of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs82c\">the ves<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g date and 6<span class=\"_ _0\"></span>.25% every t<span class=\"_ _0\"></span>hre<span class=\"_ _0\"></span>e mo<span class=\"_ _0\"></span>nths th<span class=\"_ _0\"></span>ereaf<span class=\"_ _0\"></span>ter. If the opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s rema<span class=\"_ _0\"></span>in u<span class=\"_ _0\"></span>nexerci<span class=\"_ _0\"></span>sed af<span class=\"_ _0\"></span>ter a p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d of ten years </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs82d\">from t<span class=\"_ _0\"></span>he date of gr<span class=\"_ _0\"></span>ant, th<span class=\"_ _0\"></span>e opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s expire. </div><div class=\"t m0 h8 ff6 fs4 fc4 sc0 ls2 ws2 gs82f\">US O<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns S<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>e 2<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs830\">Opti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s gra<span class=\"_ _0\"></span>nted un<span class=\"_ _0\"></span>der t<span class=\"_ _0\"></span>he US O<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>ons S<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>eme 2 a<span class=\"_ _0\"></span>re Un<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>proved O<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns gr<span class=\"_ _0\"></span>anted to US e<span class=\"_ _0\"></span>mpl<span class=\"_ _0\"></span>oyees as e<span class=\"_ _0\"></span>ith<span class=\"_ _0\"></span>er </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs831\">non<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ali<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>yin<span class=\"_ _0\"></span>g opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s or i<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>ntive stoc<span class=\"_ _0\"></span>k opti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s. Th<span class=\"_ _0\"></span>e US Opt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns Sc<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>me 2 has t<span class=\"_ _0\"></span>he s<span class=\"_ _0\"></span>ame ve<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>ng pe<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>od as </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs832\">Una<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roved Opt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns. If t<span class=\"_ _0\"></span>he o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns rem<span class=\"_ _0\"></span>ain u<span class=\"_ _0\"></span>nexerci<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d afte<span class=\"_ _0\"></span>r a per<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>d of ten year<span class=\"_ _0\"></span>s fro<span class=\"_ _0\"></span>m the date of gr<span class=\"_ _0\"></span>ant, t<span class=\"_ _0\"></span>he opt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs833\">expire<span class=\"_ _0\"></span>. Unvested o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns are for<span class=\"_ _2\"></span>f<span class=\"_ _1\"></span>e<span class=\"_ _0\"></span>ited if t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>mpl<span class=\"_ _0\"></span>oyee l<span class=\"_ _0\"></span>eaves the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p before t<span class=\"_ _0\"></span>he o<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns vest<span class=\"_ _0\"></span>. New gr<span class=\"_ _0\"></span>ants u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>is </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs834\">sch<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>e cea<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>n 2018 up<span class=\"_ _0\"></span>on I<span class=\"_ _0\"></span>PO.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs835\">Al<span class=\"_ _0\"></span>l sha<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>-ba<span class=\"_ _0\"></span>sed i<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ves are su<span class=\"_ _0\"></span>bje<span class=\"_ _0\"></span>ct to se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vic<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns. S<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>h co<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns are n<span class=\"_ _0\"></span>ot taken i<span class=\"_ _0\"></span>nto acco<span class=\"_ _0\"></span>unt i<span class=\"_ _0\"></span>n the fa<span class=\"_ _0\"></span>ir </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs836\">valu<span class=\"_ _0\"></span>e of th<span class=\"_ _0\"></span>e ser<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e rece<span class=\"_ _0\"></span>ived<span class=\"_ _0\"></span>. The fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lue of s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s rece<span class=\"_ _0\"></span>ived i<span class=\"_ _0\"></span>n retur<span class=\"_ _0\"></span>n for sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>-b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span>ives is m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs837\">by referenc<span class=\"_ _0\"></span>e to the fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>-b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d in<span class=\"_ _0\"></span>cent<span class=\"_ _0\"></span>ives gr<span class=\"_ _0\"></span>anted. T<span class=\"_ _0\"></span>he es<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ate of the fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of th<span class=\"_ _0\"></span>e sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>-ba<span class=\"_ _0\"></span>sed </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs838\">inc<span class=\"_ _0\"></span>enti<span class=\"_ _0\"></span>ves is m<span class=\"_ _0\"></span>easu<span class=\"_ _0\"></span>red u<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>g ma<span class=\"_ _0\"></span>rket pr<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>n mar<span class=\"_ _0\"></span>ket pri<span class=\"_ _0\"></span>ces d<span class=\"_ _0\"></span>o not exist fo<span class=\"_ _0\"></span>r sha<span class=\"_ _0\"></span>res or r<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>hts to sha<span class=\"_ _0\"></span>res wi<span class=\"_ _0\"></span>th si<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>lar </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs839\">cha<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>cteri<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>cs, fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue i<span class=\"_ _0\"></span>s deter<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>ed by us<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g a valu<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n tech<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>e (eithe<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e Mo<span class=\"_ _0\"></span>nte Carl<span class=\"_ _0\"></span>o or B<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ck-Sc<span class=\"_ _0\"></span>hol<span class=\"_ _0\"></span>es p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cin<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs83a\">mo<span class=\"_ _0\"></span>del a<span class=\"_ _0\"></span>s is mos<span class=\"_ _0\"></span>t ap<span class=\"_ _0\"></span>pro<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>iate for eac<span class=\"_ _0\"></span>h sc<span class=\"_ _0\"></span>hem<span class=\"_ _0\"></span>e)<span class=\"_ _1\"></span>. </div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs83b\">Charge f<span class=\"_ _1\"></span>or the<span class=\"_ _1\"></span> year<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs83c\">Inc<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>d in o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng expe<span class=\"_ _0\"></span>nse<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is a ch<span class=\"_ _0\"></span>arg<span class=\"_ _0\"></span>e for sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>-b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d payme<span class=\"_ _0\"></span>nts an<span class=\"_ _0\"></span>d ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iated so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>al se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ty </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs83d\">cost<span class=\"_ _0\"></span>s of \u00a37<span class=\"_ _5\"></span>.8 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a33.<span class=\"_ _0\"></span>8 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on) that a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ses fro<span class=\"_ _0\"></span>m tr<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>act<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nted for as e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty-<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>tle<span class=\"_ _0\"></span>d sh<span class=\"_ _0\"></span>are<span class=\"_ _0\"></span>-b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs83e\">pa<span class=\"_ _1\"></span>yment tr<span class=\"_ _1\"></span>ansactions<span class=\"_ _1\"></span> from c<span class=\"_ _1\"></span>ontinuing<span class=\"_ _1\"></span> operations<span class=\"_ _1\"></span> and \u00a31<span class=\"_ _1\"></span>.0 million<span class=\"_ _1\"></span> (2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3: \u00a31<span class=\"_ _1\"></span>.8 million<span class=\"_ _1\"></span>) fr<span class=\"_ _1\"></span>om discon<span class=\"_ _1\"></span>tinued opera<span class=\"_ _1\"></span>tions. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs83f\">Addi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>lly<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>n excepti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l cre<span class=\"_ _0\"></span>dit of \u00a3<span class=\"_ _0\"></span>1.7 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3nil) is i<span class=\"_ _0\"></span>ncl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n dis<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>ntin<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>d op<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s rel<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs840\">lap<span class=\"_ _0\"></span>ses of s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>-b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d paym<span class=\"_ _0\"></span>ents o<span class=\"_ _0\"></span>n the s<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span>e of the U<span class=\"_ _0\"></span>S bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs841\">Mov<span class=\"_ _1\"></span>ements<span class=\"_ _1\"></span> in share plans<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs842\">Deta<span class=\"_ _0\"></span>ils of m<span class=\"_ _0\"></span>oveme<span class=\"_ _0\"></span>nts in t<span class=\"_ _0\"></span>he sh<span class=\"_ _0\"></span>are sc<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>mes d<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r are as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span></div><div class=\"gs843\"><table class=\"s w2d5 hcc\" id=\"_ef8ffd8f-5aa0-4b32-8d40-d5a5d0c149b2\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x733 h35 y2af0 ff4 fs19 fc5 sc0 ls10b ws104\">Free shares<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x947 h35 y2af1 ff4 fs19 fc5 sc0 lscf wsc6\">Unappro<span class=\"_ _1\"></span>ved<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x374 h35 y2af1 ff4 fs19 fc5 sc0 lsd0 wsc7\">and ma<span class=\"_ _1\"></span>tching<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m0 x839 h35 y2af1 ff4 fs19 fc5 sc0 ls101 wsfa\">US Options<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x948 h35 y2af2 ff4 fs19 fc5 sc0 ls2 ws2\">EM<span class=\"_ _0\"></span>I Opt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x949 h35 y2af2 ff4 fs19 fc5 sc0 ls141 ws13c\">Opti<span class=\"_ _0\"></span>ons<span class=\"_ _2d6\"> </span></td><td class=\"c n x94a y2af3 w4cb h8e\" colspan=\"2\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls10b ws104\">share<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x94b y2af3 w4cc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls1c ws1c\">L<span class=\"_ _1\"></span>TI<span class=\"_ _0\"></span>P Awards<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x94c y2af3 w4cd h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd1 wsc8\">Schemes<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x94d y2af3 w4ce h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x94f y2af4 w4cf h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d WAEP</div><div class=\"t m0 x94e h2b y291a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x950 y2af4 w4d0 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d WAEP</div></td><td class=\"c n x951 y2af4 w4d1 h8e\" colspan=\"2\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>r an<span class=\"_ _0\"></span>d WAE<span class=\"_ _0\"></span>P<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x952 y2af4 w4d2 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">N<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>er a<span class=\"_ _0\"></span>nd WA<span class=\"_ _0\"></span>EP<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x953 y2af4 w4d2 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">N<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r an<span class=\"_ _0\"></span>d WAE<span class=\"_ _0\"></span>P</div></td><td class=\"c n x954 y2af4 w4d0 h8e\" colspan=\"2\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>r an<span class=\"_ _0\"></span>d WAEP<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x955 y2af5 w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x956 y2af5 w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m</div></td><td class=\"c n x957 y2af5 w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x958 y2af5 w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m</div></td><td class=\"c n x959 y2af5 w4d5 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x95a y2af5 w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x95b y2af5 w4d5 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x95c y2af5 w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m</div></td><td class=\"c n x95d y2af5 w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x95e y2af5 w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x95f y2af5 w4d6 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x960 y2af5 w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d h1f y2af6 ff4 fs2 fc5 sc0 ls3d ws3e\">Outstanding </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d h1f y2af7 ff4 fs2 fc5 sc0 ls2 ws2\">at 1 Ja<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2af8 w4d7 hcd\"><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 ls76 ws6f\">2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x961 y2af9 w4d8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15e ws15c\">141<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>0</div></td><td class=\"c n x962 y2af9 w4d9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.026</div></td><td class=\"c n x963 y2af9 w4da h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls80 ws7c\">5,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>6</div></td><td class=\"c n x964 y2af9 w4db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">0.<span class=\"_ _0\"></span>314</div></td><td class=\"c n x965 y2af9 w4dc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">4,833,226</div></td><td class=\"c n x966 y2af9 w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x967 y2af9 w4dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">19,8<span class=\"_ _0\"></span>60,<span class=\"_ _0\"></span>718</div></td><td class=\"c n x968 y2af9 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x969 y2af9 w4de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls34 ws35\">2,<span class=\"_ _0\"></span>81<span class=\"_ _0\"></span>6,272</div></td><td class=\"c n x96a y2af9 w4df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.431</div></td><td class=\"c n x6a2 y2af9 w4e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15e ws15c\">32,<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>1,41<span class=\"_ _0\"></span>2</div></td><td class=\"c n x96b y2af9 w4e1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.0<span class=\"_ _0\"></span>97<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d h1f y2afa ff4 fs2 fc5 sc0 ls79 ws72\">Granted<span class=\"_ _1\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2afc w4e2 hce\"><div class=\"t m0 x1ba h1f y2afb ff4 fs2 fc5 sc0 ls2 ws2\">du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 ls2 ws2\">yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x96c y2afd w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x96d y2afd w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x96e y2afd w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x96f y2afd w105 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x970 y2afd w4e3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls104 wsfd\">6<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>74<span class=\"_ _2\"></span>2</div></td><td class=\"c n x971 y2afd w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x972 y2afd w4e4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">21<span class=\"_ _1\"></span>,443,472</div></td><td class=\"c n x973 y2afd w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x974 y2afd w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x975 y2afd w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x8b2 y2afd w4e5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls105 wsfe\">2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _2d\"></span>9<span class=\"_ _2\"></span>7,<span class=\"_ _2d\"></span>2<span class=\"_ _2d\"></span>1<span class=\"_ _2\"></span>4</div></td><td class=\"c n x976 y2afd w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d h1f y2afe ff4 fs2 fc5 sc0 ls84 ws80\">Exercised<span class=\"_ _1\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2aff w4e2 hce\"><div class=\"t m0 x1ba h1f y2afb ff4 fs2 fc5 sc0 ls2 ws2\">du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 ls2 ws2\">yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x977 y2b00 w4e6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls121 ws11a\">(96<span class=\"_ _1\"></span>,000)</div></td><td class=\"c n x978 y2b00 w4e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.027</div></td><td class=\"c n x979 y2b00 w4e8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfe wsf7\">(<span class=\"_ _1\"></span>386,367)</div></td><td class=\"c n x97a y2b00 w4e9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.14<span class=\"_ _2\"></span>3</div></td><td class=\"c n x97b y2b00 w4ea h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls102 wsfb\">(3<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,11<span class=\"_ _2\"></span>6)</div></td><td class=\"c n x97c y2b00 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x97d y2b00 w4eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls53 ws6d\">(2,971,<span class=\"_ _0\"></span>351)</div></td><td class=\"c n x97e y2b00 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x97f y2b00 w4ec h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7b ws77\">(3,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>34)</div></td><td class=\"c n x980 y2b00 w445 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls52 ws50\">0<span class=\"_ _0\"></span>.51<span class=\"_ _0\"></span>6</div></td><td class=\"c n x981 y2b00 w4ed h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17e ws17e\">(<span class=\"_ _1\"></span>3,839<span class=\"_ _1\"></span>,868<span class=\"_ _1\"></span>)</div></td><td class=\"c n x982 y2b00 w72 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d h1f y2b01 ff4 fs2 fc5 sc0 ls3 ws3\">Fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>fei<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>d </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2b02 w4e2 hce\"><div class=\"t m0 x1ba h1f y2afb ff4 fs2 fc5 sc0 ls2 ws2\">du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 ls2 ws2\">yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x96c y2b03 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x96d y2b03 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x983 y2b03 w4ee h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">(93<span class=\"_ _0\"></span>8)</div></td><td class=\"c n x984 y2b03 w4ef h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.44<span class=\"_ _0\"></span>0</div></td><td class=\"c n x985 y2b03 w4f0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls58 ws75\">(<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>11,<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>18)</div></td><td class=\"c n x986 y2b03 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x987 y2b03 w4f1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>79<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>)</div></td><td class=\"c n x988 y2b03 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x989 y2b03 w4f2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">(<span class=\"_ _1\"></span>40,888)</div></td><td class=\"c n x98a y2b03 w4f3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls128 ws14a\">0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>522</div></td><td class=\"c n x98b y2b03 w4f4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls87 ws83\">(5,5<span class=\"_ _0\"></span>45,3<span class=\"_ _0\"></span>44)</div></td><td class=\"c n x98c y2b03 w4f5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.0<span class=\"_ _0\"></span>04<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d h1f y2b04 ff4 fs2 fc5 sc0 ls3d ws3e\">Outstanding </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d h1f y2b05 ff4 fs2 fc5 sc0 ls2 ws2\">at 31 </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d h1f y2b06 ff4 fs2 fc5 sc0 ls5 ws74\">December </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27ec w4d7 hcd\"><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 ls76 ws6f\">2023<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x98d y27eb w4f6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls87 ws83\">45,<span class=\"_ _0\"></span>30<span class=\"_ _0\"></span>0</div></td><td class=\"c n x98e y27eb w4f7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.024</div></td><td class=\"c n x98f y27eb w4f8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls87 ws83\">4,622,591</div></td><td class=\"c n x990 y27eb w4f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">0.<span class=\"_ _0\"></span>328</div></td><td class=\"c n x991 y27eb w4fa h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">4,<span class=\"_ _0\"></span>392,<span class=\"_ _0\"></span>63<span class=\"_ _0\"></span>4</div></td><td class=\"c n x992 y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x993 y27eb w4fb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">33,540<span class=\"_ _1\"></span>,539</div></td><td class=\"c n x994 y27eb w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x995 y27eb w4fc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">2,7<span class=\"_ _0\"></span>72,<span class=\"_ _0\"></span>350</div></td><td class=\"c n x996 y27eb w4fd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.429</div></td><td class=\"c n x997 y27eb w4fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15e ws15c\">4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>37<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>41<span class=\"_ _0\"></span>4</div></td><td class=\"c n x998 y27eb w4ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.0<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"gs845\"><table class=\"s w500 hcf\" id=\"_606d6a0c-1e60-4160-b1a8-a1713041dc93\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x999 h35 y2b07 ff4 fs19 fc5 sc0 ls10b ws104\">Free shares<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x99a h35 y2b08 ff4 fs19 fc5 sc0 lscf wsc6\">Unappro<span class=\"_ _1\"></span>ved<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x99b h35 y2b08 ff4 fs19 fc5 sc0 lsd0 wsc7\">and ma<span class=\"_ _1\"></span>tching<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x560 h35 y2b08 ff4 fs19 fc5 sc0 ls101 wsfa\">US Options<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x99c h35 y2b09 ff4 fs19 fc5 sc0 ls2 ws2\">EM<span class=\"_ _0\"></span>I Opt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></td><td></td><td></td><td class=\"t m0 x6c1 h35 y2b09 ff4 fs19 fc5 sc0 ls141 ws13c\">Opti<span class=\"_ _0\"></span>ons<span class=\"_ _2d6\"> </span></td><td></td><td></td><td class=\"c n x99d y2b0a w4cb h8f\"><div class=\"t m0 x1ba h35 y279c ff4 fs19 fc5 sc0 ls10b ws104\">share<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x99e y2b0a w4cc h8f\"><div class=\"t m0 x1ba h35 y279c ff4 fs19 fc5 sc0 ls1c ws1c\">L<span class=\"_ _1\"></span>TI<span class=\"_ _0\"></span>P Awards<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x99f y2b0a w4cd h8f\"><div class=\"t m0 x1ba h35 y279c ff4 fs19 fc5 sc0 lsd1 wsc8\">Schemes<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9a0 y2b0a w465 h8f\"><div class=\"t m0 x1ba h35 y279c ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _2\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x9a2 y2b0b w501 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d WAEP</div><div class=\"t m0 x9a1 h2b y291a ff4 fs17 fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td class=\"c n x9a3 y2b0b w4d0 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>er a<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>d WAEP<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x9a4 y2b0b w4d1 h8e\" colspan=\"2\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>r an<span class=\"_ _0\"></span>d WAE<span class=\"_ _0\"></span>P<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x9a5 y2b0b w4d2 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">N<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>er a<span class=\"_ _0\"></span>nd WA<span class=\"_ _0\"></span>EP<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x9a6 y2b0b w4d0 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Numb<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>r an<span class=\"_ _0\"></span>d WAE<span class=\"_ _0\"></span>P</div></td><td class=\"c n x9a7 y2b0b w4d2 h8e\" colspan=\"2\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>mb<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>r an<span class=\"_ _0\"></span>d WAE<span class=\"_ _0\"></span>P<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x9a8 y2b0c w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x9a9 y2b0c w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m</div></td><td class=\"c n x9aa y2b0c w4d5 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x9ab y2b0c w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m</div></td><td class=\"c n x9ac y2b0c w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x9ad y2b0c w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x9ae y2b0c w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x9af y2b0c w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m</div></td><td class=\"c n x9b0 y2b0c w4d6 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x9b1 y2b0c w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9b2 y2b0c w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x9b3 y2b0c w4d4 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 h1f y2b0d ff4 fs2 fc5 sc0 ls3d ws3e\">Outstanding </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x256 h1f y2b0e ff4 fs2 fc5 sc0 ls2 ws2\">at 1 Ja<span class=\"_ _0\"></span>nu<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b0f w502 hd0\"><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 lsa4 wsa0\">20<span class=\"_ _0\"></span>24<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9b4 y2b10 w4f6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">45,<span class=\"_ _0\"></span>30<span class=\"_ _0\"></span>0</div></td><td class=\"c n x9b5 y2b10 w503 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.024</div></td><td class=\"c n x9b6 y2b10 w504 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">4,622,5<span class=\"_ _0\"></span>91</div></td><td class=\"c n x9b7 y2b10 w4f9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7f ws7b\">0.<span class=\"_ _0\"></span>328</div></td><td class=\"c n x9b8 y2b10 w4fa h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">4,<span class=\"_ _0\"></span>392,<span class=\"_ _0\"></span>63<span class=\"_ _0\"></span>4</div></td><td class=\"c n x9b9 y2b10 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x9ba y2b10 w505 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">33,5<span class=\"_ _1\"></span>40,539</div></td><td class=\"c n x9bb y2b10 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9bc y2b10 w506 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">2,<span class=\"_ _0\"></span>772,<span class=\"_ _0\"></span>35<span class=\"_ _0\"></span>0</div></td><td class=\"c n x9bd y2b10 w507 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.429</div></td><td class=\"c n x9be y2b10 w508 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15e ws15c\">4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>73<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>414</div></td><td class=\"c n x9bf y2b10 w509 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.068<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 h1f y2b11 ff4 fs2 fc5 sc0 ls79 ws72\">Granted<span class=\"_ _1\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2b12 w4e2 hd1\"><div class=\"t m0 x1ba h1f y2afb ff4 fs2 fc5 sc0 ls2 ws2\">du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 ls2 ws2\">yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9c0 y2b13 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9c1 y2b13 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9c2 y2b13 w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9c3 y2b13 w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9c4 y2b13 w50a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls80 ws7c\">46<span class=\"_ _0\"></span>9,<span class=\"_ _0\"></span>01<span class=\"_ _0\"></span>0</div></td><td class=\"c n x9c5 y2b13 w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x9c6 y2b13 w50b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls88 ws84\">12,<span class=\"_ _0\"></span>31<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>14</div></td><td class=\"c n x9c7 y2b13 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9c8 y2b13 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9c9 y2b13 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9ca y2b13 w50c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">12,782,<span class=\"_ _0\"></span>824</div></td><td class=\"c n x9cb y2b13 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 h1f y2b14 ff4 fs2 fc5 sc0 ls84 ws80\">Exercised<span class=\"_ _1\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2b15 w4e2 hd1\"><div class=\"t m0 x1ba h1f y2afb ff4 fs2 fc5 sc0 ls2 ws2\">du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 ls2 ws2\">yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9cc y2b16 w50d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>5,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>0)</div></td><td class=\"c n x9cd y2b16 w503 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.024</div></td><td class=\"c n x9ce y2b16 w50e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls52 ws50\">(9<span class=\"_ _0\"></span>51,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>35<span class=\"_ _0\"></span>)</div></td><td class=\"c n x9cf y2b16 w50f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.3<span class=\"_ _0\"></span>60</div></td><td class=\"c n x9d0 y2b16 w510 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls128 ws14a\">(826<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>552<span class=\"_ _0\"></span>)</div></td><td class=\"c n x9d1 y2b16 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x9d2 y2b16 w511 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls34 ws35\">(6,733,720)</div></td><td class=\"c n x9d3 y2b16 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9d4 y2b16 w512 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls104 wsfd\">(<span class=\"_ _2\"></span>74<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>)</div></td><td class=\"c n x9d5 y2b16 w507 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.294</div></td><td class=\"c n x9d6 y2b16 w513 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">(9<span class=\"_ _1\"></span>,<span class=\"_ _0\"></span>298,331)</div></td><td class=\"c n x9d7 y2b16 w405 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.0<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 h1f y2b17 ff4 fs2 fc5 sc0 ls3 ws3\">Fo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>fei<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>d </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2b18 w4e2 hd1\"><div class=\"t m0 x1ba h1f y2afb ff4 fs2 fc5 sc0 ls2 ws2\">du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng t<span class=\"_ _0\"></span>he<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 ls2 ws2\">yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9c0 y2b19 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9c1 y2b19 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9d8 y2b19 w514 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15e ws15c\">(<span class=\"_ _0\"></span>141)</div></td><td class=\"c n x9d9 y2b19 w4ef h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.44<span class=\"_ _0\"></span>0</div></td><td class=\"c n x9da y2b19 w515 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls105 wsfe\">(<span class=\"_ _2d\"> </span>7<span class=\"_ _2d\"></span>1<span class=\"_ _2\"></span>7,<span class=\"_ _2d\"></span>4<span class=\"_ _2d\"></span>8</div></td><td class=\"c n x9db y2b19 w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9dc y2b19 w516 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls105 wsfe\">0<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9dd y2b19 w517 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">(1<span class=\"_ _1\"></span>3,<span class=\"_ _1\"></span>159,091<span class=\"_ _1\"></span>)</div></td><td class=\"c n x9de y2b19 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9df y2b19 w518 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">(16,093)</div></td><td class=\"c n x9e0 y2b19 w519 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls89 ws85\">0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>24<span class=\"_ _0\"></span>5</div></td><td class=\"c n x9e1 y2b19 w51a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(1<span class=\"_ _1\"></span>3<span class=\"_ _0\"></span>,8<span class=\"_ _0\"></span>92,<span class=\"_ _0\"></span>80<span class=\"_ _0\"></span>5)</div></td><td class=\"c n x9e2 y2b19 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 h4 y2b1a ff6 fs2 fc5 sc0 lse7 wsdf\">Outstanding </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x256 h4 y2b1b ff6 fs2 fc5 sc0 ls4c ws2\">at 31<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x256 h4 y2b1c ff6 fs2 fc5 sc0 lseb ws17f\">December </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y27ec w51b hd2\"><div class=\"t m0 x1ba ha y2b1d ff6 fs2 fc5 sc0 lsc9 ws180\">2024<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9e3 y27eb w105 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9e4 y27eb w105 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9e5 y27eb w51c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17f ws181\">3,6<span class=\"_ _0\"></span>70,915</div></td><td class=\"c n x9e6 y27eb w51d h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.<span class=\"_ _0\"></span>319<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x9e7 y27eb w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"t m3 x6ca ha y2b1e ff2 fs6 fc3 sc0 ls10c ws105\">3,317<span class=\"_ _5\"></span>,612<span class=\"_ _2d6\"> </span></td><td class=\"c n x9e8 y27eb w51e h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17f ws181\">2<span class=\"_ _0\"></span>5,9<span class=\"_ _0\"></span>61,<span class=\"_ _0\"></span>542</div></td><td class=\"c n x9e9 y27eb w1c h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n x9ea y27eb w51f h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls180 ws182\">2<span class=\"_ _0\"></span>,015<span class=\"_ _0\"></span>,033</div></td><td class=\"c n x9eb y27eb w520 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.<span class=\"_ _0\"></span>48<span class=\"_ _0\"></span>0</div></td><td class=\"c n x9ec y27eb w521 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls7e ws7a\">34,965,<span class=\"_ _1\"></span>102</div></td><td class=\"c n x9ed y27eb w522 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.072<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls12 ws11 gs846\">1.<span class=\"_ _1\"></span>  <span class=\"_ _2\"></span>Weight<span class=\"_ _1\"></span>ed av<span class=\"_ _1\"></span>erage ex<span class=\"_ _1\"></span>ercise price.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs847\">The fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le su<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n ab<span class=\"_ _0\"></span>out t<span class=\"_ _0\"></span>he sh<span class=\"_ _0\"></span>are awa<span class=\"_ _0\"></span>rds ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024:<span class=\"_ _2d6\"> </span></div><div class=\"gs848\"><table class=\"s w523 hd3\" id=\"_c5d63f6b-27a7-4481-a068-f585c17eadd2\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x7db h38 y2b1f ff2 fs19 fc3 sc0 lsf1 wsea\">Free shares<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x99a h38 y2b20 ff2 fs19 fc3 sc0 ls106 wsff\">Un<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>pr<span class=\"_ _0\"></span>oved<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x9ee h38 y2b20 ff2 fs19 fc3 sc0 lscf wsc6\">and mat<span class=\"_ _1\"></span>ching<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m0 x560 h38 y2b20 ff2 fs19 fc3 sc0 ls2 ws2\">US O<span class=\"_ _0\"></span>pt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9ef h38 y2b21 ff2 fs19 fc3 sc0 ls147 ws142\">EMI Op<span class=\"_ _1\"></span>tions<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x6c1 h38 y2b21 ff2 fs19 fc3 sc0 ls101 wsfa\">Options<span class=\"_ _2d6\"> </span></td><td></td><td class=\"c n x9f0 y2b22 w524 ha8\"><div class=\"t m0 x1ba h38 y296f ff2 fs19 fc3 sc0 lsf1 wsea\">shares<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td class=\"c n x9f1 y2b22 w525 ha8\"><div class=\"t m0 x1ba h38 y296f ff2 fs19 fc3 sc0 ls13c ws136\">L<span class=\"_ _1\"></span>TIP Awards<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x99f y2b22 w526 ha8\"><div class=\"t m0 x1ba h38 y296f ff2 fs19 fc3 sc0 lsd9 wsd0\">Schemes<span class=\"_ _2d6\"> </span></div></td><td></td><td></td><td class=\"c n x9f2 y2b22 w527 ha8\"><div class=\"t m0 x1ba h38 y296f ff2 fs19 fc3 sc0 ls119 ws112\">To<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b24 w528 hd4\"><div class=\"t m0 x1ba h35 y2b23 ff4 fs19 fc5 sc0 ls2 ws2\">Ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e of<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls14e ws14b\">exerc<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>e</div></td><td class=\"c x9f4 y2b26 w529 ha8\" colspan=\"2\"><div class=\"t m0 x1ba h38 y296f ff2 fs19 fc3 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r a<span class=\"_ _0\"></span>nd WA<span class=\"_ _0\"></span>RC<span class=\"_ _0\"></span>L</div><div class=\"t m0 x9f3 h46 y2b25 ff2 fs17 fc3 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"t m0 x9f5 h38 y2b27 ff2 fs19 fc3 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r a<span class=\"_ _0\"></span>nd WA<span class=\"_ _0\"></span>RC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></td><td class=\"t mb x9f6 h38 y2b27 ff2 fs19 fc3 sc0 ls153 ws2\" colspan=\"2\">Nu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r a<span class=\"_ _0\"></span>nd WA<span class=\"_ _0\"></span>RC<span class=\"_ _0\"></span>L</td><td></td><td class=\"c n x9f7 y2b26 w52a ha8\" colspan=\"2\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r a<span class=\"_ _0\"></span>nd WA<span class=\"_ _0\"></span>RC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x9f8 y2b26 w52a ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r a<span class=\"_ _0\"></span>nd WA<span class=\"_ _0\"></span>RC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n x9f9 y2b26 w52a ha8\" colspan=\"2\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 ls2 ws2\">Nu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r a<span class=\"_ _0\"></span>nd WA<span class=\"_ _0\"></span>RC<span class=\"_ _0\"></span>L<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 h35 y2b28 ff4 fs19 fc5 sc0 lse4 wsdd\">prices<span class=\"_ _2d6\"> </span></td><td class=\"c n x9fa y2b29 w52b ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x9fb y2b29 w52c ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 ls181 ws183\">Ye<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>r<span class=\"_ _2\"></span>s</div></td><td class=\"c n x9fc y2b29 w52b ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n x9fd y2b29 w52d ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 ls181 ws183\">Ye<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>r<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9fe y2b29 w52e ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 ls181 ws183\">Ye<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>r<span class=\"_ _2\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9ff y2b29 w52f ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 lsd9 wsd0\">N<span class=\"_ _0\"></span>umber<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa00 y2b29 w52c ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 ls181 ws183\">Ye<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>r<span class=\"_ _2\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa01 y2b29 w530 ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 lsd9 wsd0\">Number<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa02 y2b29 w52f ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 lsd9 wsd0\">Nu<span class=\"_ _0\"></span>mber</div></td><td class=\"c n xa03 y2b29 w531 ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 ls181 ws183\">Ye<span class=\"_ _2\"></span>a<span class=\"_ _0\"></span>r<span class=\"_ _2\"></span>s</div></td><td class=\"c n xa04 y2b29 w52b ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n xa05 y2b29 w532 ha8\"><div class=\"t m1 x1ba h38 y296f ff2 fs19 fc3 sc0 ls181 ws183\">Ye<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>r<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td></tr><tr><td class=\"c n x1c5 y2959 w533 hcd\"><div class=\"t m1 x1ba ha y27b5 ff4 fs2 fc5 sc0 lse8 wse1\">\u00a30<span class=\"_ _0\"></span>\u2013<span class=\"_ _2\"></span>\u00a30.008<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa06 y2959 w105 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa07 y2959 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa08 y2959 w534 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls15d ws15b\">2<span class=\"_ _2\"></span>,1<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>0,<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>17</div></td><td class=\"c n xa09 y2959 w62 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17 ws16\">3.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa0a y2959 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa0b y2959 w535 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd3 wsca\">3,317<span class=\"_ _5\"></span>,612<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa0c y2959 w536 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd6 wscd\">25<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>61,<span class=\"_ _0\"></span>542</div></td><td class=\"c n xa0d y2959 w64 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">8<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa0e y2959 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa0f y2959 w28 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa10 y2959 w537 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd2 wsc9\">6.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa11 y2959 w538 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls15d ws15b\">3<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m1 x256 h1f y2b2a ff4 fs2 fc5 sc0 lse8 wse1\">\u00a30.00<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>\u2013<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2966 w539 hcd\"><div class=\"t m1 x1ba ha y27b5 ff4 fs2 fc5 sc0 ls16c ws169\">\u00a3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>76<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa12 y2966 w105 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa13 y2966 w105 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa14 y2966 w53a h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lse3 wsdc\">2,0<span class=\"_ _0\"></span>33</div></td><td class=\"c n xa15 y2966 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa16 y2966 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa17 y2966 w105 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa18 y2966 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa19 y2966 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa1a y2966 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa1b y2966 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa1c y2966 w28 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa1d y2966 w53b h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lse3 wsdc\">2<span class=\"_ _0\"></span>,033<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m1 x256 h1f y2b2b ff4 fs2 fc5 sc0 ls16c ws169\">\u00a3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>\u2013<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b2c w524 hcd\"><div class=\"t m1 x1ba ha y27b5 ff4 fs2 fc5 sc0 lsf0 wse9\">\u00a30<span class=\"_ _0\"></span>.47<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa1e y2b2c w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa1f y2b2c w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa20 y2b2c w53c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls15d ws15b\">1<span class=\"_ _2\"></span>,11<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>7</div></td><td class=\"c n xa21 y2b2c w53d h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">2<span class=\"_ _0\"></span>.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa22 y2b2c w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa23 y2b2c w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa24 y2b2c w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa25 y2b2c w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa26 y2b2c w53e h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf7 wsf0\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>0</div></td><td class=\"c n xa27 y2b2c w14a h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">0.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa28 y2b2c w476 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa29 y2b2c w53f h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf7 wsf0\">2<span class=\"_ _2d\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>2<span class=\"_ _2d\"></span>7,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7<span class=\"_ _2d\"></span>7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m1 x256 h1f y2b2d ff4 fs2 fc5 sc0 lsf0 wse9\">\u00a30<span class=\"_ _0\"></span>.47<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>\u2013<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2830 w208 hcd\"><div class=\"t m1 x1ba ha y27b5 ff4 fs2 fc5 sc0 ls182 ws184\">\u00a31.<span class=\"_ _0\"></span>75<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa2a y2830 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa2b y2830 w105 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa2c y2830 w540 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">368<span class=\"_ _0\"></span>,638</div></td><td class=\"c n xa2d y2830 w37c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17 ws16\">3.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa2e y2830 w105 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa2f y2830 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa30 y2830 w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa31 y2830 w28 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa32 y2830 w541 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsfe wsf7\">597<span class=\"_ _5\"></span>,383</div></td><td class=\"c n xa33 y2830 w542 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17 ws16\">3.4<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa34 y2830 w37c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17 ws16\">3.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa35 y2830 w543 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls7e ws7a\">966,021<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n xa36 y27eb w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa37 y27eb w1c h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa38 y27eb w544 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17f ws181\">3<span class=\"_ _0\"></span>,670,9<span class=\"_ _0\"></span>15</div></td><td class=\"c n xa39 y27eb w31 h93\"><div class=\"t m1 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17 ws16\">3.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x9e7 y27eb w1c h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"t m3 x6ca ha y2b2e ff2 fs6 fc3 sc0 ls10c ws105\">3,317<span class=\"_ _5\"></span>,612<span class=\"_ _2d6\"> </span></td><td class=\"c n x9e8 y27eb w51e h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls17f ws181\">2<span class=\"_ _0\"></span>5,9<span class=\"_ _0\"></span>61,<span class=\"_ _0\"></span>542</div></td><td class=\"c n xa3a y27eb w64 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">8<span class=\"_ _0\"></span>.0<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa3b y27eb w545 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls180 ws182\">2<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>15,033</div></td><td class=\"c n xa3c y27eb w476 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa3d y27eb w546 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsd2 wsc9\">6.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa3e y27eb w521 h93\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls7e ws7a\">34,965,<span class=\"_ _1\"></span>102<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h6f ff4 fs5 fc5 sc0 ls183 ws185 gs849\">1. W<span class=\"_ _1\"></span>eighted<span class=\"_ _1\"></span> average r<span class=\"_ _1\"></span>emaining contract<span class=\"_ _1\"></span>ual life.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs84b\">The fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>ab<span class=\"_ _0\"></span>le su<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>ari<span class=\"_ _0\"></span>ses i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n ab<span class=\"_ _0\"></span>out t<span class=\"_ _0\"></span>he sh<span class=\"_ _0\"></span>are awa<span class=\"_ _0\"></span>rds ou<span class=\"_ _0\"></span>tsta<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng at 31 D<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2023:<span class=\"_ _2d6\"> </span></div><div class=\"gs84c\"><table class=\"s w547 hd5\" id=\"_6e8d220f-3db0-430a-8556-50ce3f2b2538\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xa3f h35 y2b2f ff4 fs19 fc5 sc0 ls10b ws104\">Free shares<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x947 h35 y2b30 ff4 fs19 fc5 sc0 lscf wsc6\">Unappro<span class=\"_ _1\"></span>ved<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x733 h35 y2b30 ff4 fs19 fc5 sc0 lsd0 wsc7\">and ma<span class=\"_ _1\"></span>tching<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x384 h35 y2b30 ff4 fs19 fc5 sc0 ls101 wsfa\">US Options<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x948 h35 y2b31 ff4 fs19 fc5 sc0 ls2 ws2\">EM<span class=\"_ _0\"></span>I Opt<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 xa40 h35 y2b31 ff4 fs19 fc5 sc0 ls141 ws13c\">Opti<span class=\"_ _0\"></span>ons<span class=\"_ _2d6\"> </span></td><td></td><td class=\"c n xa41 y2b32 w4cb h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls10b ws104\">share<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa42 y2b32 w548 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls1c ws1c\">L<span class=\"_ _5\"></span>TI<span class=\"_ _0\"></span>P Awards<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa43 y2b32 w4cd h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd1 wsc8\">Schemes<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa44 y2b32 w465 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls119 ws112\">To<span class=\"_ _2\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b34 w528 hd6\"><div class=\"t m0 x1ba h35 y2b33 ff4 fs19 fc5 sc0 ls2 ws2\">Ra<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>e of<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls14e ws14b\">exerc<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c xa46 y2b35 w549 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number and<span class=\"_ _1\"></span> WARCL</div><div class=\"t m0 xa45 h2b y291a ff4 fs17 fc5 sc0 ls2 ws2\">1</div></td><td class=\"c n xa47 y2b35 w54a h8e\" colspan=\"2\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number and<span class=\"_ _1\"></span> WARCL</div></td><td class=\"c n xa48 y2b35 w54b h8e\" colspan=\"2\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 ls129 wsd0\">Number and<span class=\"_ _1\"></span> WARCL<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa49 y2b35 w54a h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number and<span class=\"_ _1\"></span> WARCL<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xa4a y2b35 w54a h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number and W<span class=\"_ _1\"></span>ARCL</div></td><td class=\"c n xa4b y2b35 w54c h8e\" colspan=\"2\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number<span class=\"_ _1\"></span> and W<span class=\"_ _1\"></span>A<span class=\"_ _0\"></span>RCL<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d h35 y2b36 ff4 fs19 fc5 sc0 lse4 wsdd\">prices<span class=\"_ _2d6\"> </span></td><td class=\"c n xa4c y2b37 w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n xa4d y2b37 w54d h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Y<span class=\"_ _1\"></span>ears<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa4e y2b37 w54d h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Y<span class=\"_ _1\"></span>ears<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa4f y2b37 w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa50 y2b37 w54e h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Y<span class=\"_ _1\"></span>ears<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa51 y2b37 w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa52 y2b37 w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n xa53 y2b37 w54e h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Y<span class=\"_ _1\"></span>ears</div></td><td class=\"c n xa54 y2b37 w4d3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number</div></td><td class=\"c n xa55 y2b37 w54f h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Y<span class=\"_ _1\"></span>ears<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa56 y2b37 w54e h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Y<span class=\"_ _1\"></span>ears<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa57 y2b37 w4d6 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd9 wsd0\">Number<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b38 w533 hd0\"><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 lse8 wse1\">\u00a30<span class=\"_ _0\"></span>\u2013<span class=\"_ _2\"></span>\u00a30.008<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa58 y2b39 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa59 y2b39 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa5a y2b39 w550 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">4.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa5b y2b39 w551 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">2,190,<span class=\"_ _0\"></span>017<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa5c y2b39 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa5d y2b39 w552 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">4,<span class=\"_ _0\"></span>392,<span class=\"_ _0\"></span>634<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa5e y2b39 w4fb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">33,540<span class=\"_ _1\"></span>,539</div></td><td class=\"c n xa5f y2b39 w553 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">8.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa60 y2b39 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa61 y2b39 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa62 y2b39 w554 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2\"></span>3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa63 y2b39 w555 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls102 wsfb\">4<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>23<span class=\"_ _2\"></span>,19<span class=\"_ _2\"></span>0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d h1f y2b3a ff4 fs2 fc5 sc0 lse8 wse1\">\u00a30.00<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>\u2013<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b3b w539 hd0\"><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 ls16c ws169\">\u00a3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>76</div></td><td class=\"c n xa64 y2b3c w4f6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">4<span class=\"_ _0\"></span>5,30<span class=\"_ _0\"></span>0</div></td><td class=\"c n xa65 y2b3c wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa66 y2b3c w3fb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa67 y2b3c w556 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">18,4<span class=\"_ _0\"></span>38<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa68 y2b3c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa69 y2b3c w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa6a y2b3c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa6b y2b3c w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa6c y2b3c w557 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls89 ws85\">24,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2</div></td><td class=\"c n xa6d y2b3c wfd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa6e y2b3c w272 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa6f y2b3c w558 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">88,040<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d h1f y2b3d ff4 fs2 fc5 sc0 ls16c ws169\">\u00a3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>\u2013<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b3e w524 hd0\"><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 lsf0 wse9\">\u00a30<span class=\"_ _0\"></span>.47<span class=\"_ _0\"></span>1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa70 y2b3f w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa71 y2b3f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa72 y2b3f w127 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa73 y2b3f w559 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">2,0<span class=\"_ _0\"></span>45,<span class=\"_ _0\"></span>49<span class=\"_ _0\"></span>8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa74 y2b3f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa75 y2b3f w105 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x3a2 y2b3f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa76 y2b3f w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa77 y2b3f w55a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">2,1<span class=\"_ _1\"></span>5<span class=\"_ _0\"></span>0,6<span class=\"_ _0\"></span>65</div></td><td class=\"c n xa78 y2b3f w27d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa79 y2b3f w389 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa7a y2b3f w55b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">4,<span class=\"_ _1\"></span>19<span class=\"_ _0\"></span>6,<span class=\"_ _1\"></span>163<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d h1f y2b40 ff4 fs2 fc5 sc0 lsf0 wse9\">\u00a30<span class=\"_ _0\"></span>.47<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>\u2013<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b41 w208 hd0\"><div class=\"t m0 x1ba hd y27a2 ff4 fs2 fc5 sc0 ls182 ws184\">\u00a31.<span class=\"_ _0\"></span>75<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa7b y2b42 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa7c y2b42 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa7d y2b42 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa7e y2b42 w55c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfe wsf7\">368,638<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa7f y2b42 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa80 y2b42 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa81 y2b42 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa82 y2b42 w28 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014</div></td><td class=\"c n xa83 y2b42 w55d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">597<span class=\"_ _5\"></span>,383</div></td><td class=\"c n xa84 y2b42 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa85 y2b42 w265 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa86 y2b42 w55e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">9<span class=\"_ _0\"></span>66,021<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n xa87 y2b43 w55f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls87 ws83\">45,3<span class=\"_ _0\"></span>00</div></td><td class=\"c n xa88 y2b43 we7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa89 y2b43 w10c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">3.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa8a y2b43 w560 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls184 ws186\">4,622,591<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa8b y2b43 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"t m3 xa8c hd y2b44 ff4 fs6 fc5 sc0 ls166 ws163\">4,3<span class=\"_ _0\"></span>92,6<span class=\"_ _0\"></span>34<span class=\"_ _2d6\"> </span></td><td class=\"c n xa8d y2b43 w561 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">33,540<span class=\"_ _1\"></span>,539</div></td><td class=\"c n xa8e y2b43 w562 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls9 ws8\">8<span class=\"_ _0\"></span>.4</div></td><td class=\"c n xa8f y2b43 w563 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls166 ws163\">2,7<span class=\"_ _0\"></span>72,<span class=\"_ _0\"></span>350</div></td><td class=\"c n xa90 y2b43 w2a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls33 ws34\">2.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa91 y2b43 w230 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">6.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa92 y2b43 w564 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15e ws15c\">4<span class=\"_ _2\"></span>5,<span class=\"_ _0\"></span>37<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>414<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls12 ws11 gs84d\">1.<span class=\"_ _1\"></span> <span class=\"_ _1f\"> </span>Weight<span class=\"_ _1\"></span>ed av<span class=\"_ _1\"></span>erage remaining<span class=\"_ _1\"></span> contractual<span class=\"_ _1\"></span> life.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs84e\">Unappro<span class=\"_ _1\"></span>ved Opt<span class=\"_ _1\"></span>ions Scheme<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs84f\">The<span class=\"_ _0\"></span>re have be<span class=\"_ _0\"></span>en no U<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roved Opt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s gra<span class=\"_ _0\"></span>nted si<span class=\"_ _0\"></span>nce I<span class=\"_ _0\"></span>PO i<span class=\"_ _0\"></span>n 2018. T<span class=\"_ _0\"></span>he wei<span class=\"_ _0\"></span>ghted avera<span class=\"_ _0\"></span>ge fa<span class=\"_ _0\"></span>ir va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>es of opti<span class=\"_ _0\"></span>ons </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs850\">gra<span class=\"_ _0\"></span>nted un<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>r the U<span class=\"_ _0\"></span>nap<span class=\"_ _0\"></span>proved O<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>ons S<span class=\"_ _0\"></span>ch<span class=\"_ _0\"></span>eme a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>he US O<span class=\"_ _0\"></span>ptio<span class=\"_ _0\"></span>ns S<span class=\"_ _0\"></span>che<span class=\"_ _0\"></span>me r<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>et<span class=\"_ _0\"></span>ween \u00a3<span class=\"_ _0\"></span>0.73 and \u00a31.<span class=\"_ _0\"></span>80 p<span class=\"_ _0\"></span>er </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs851\">opti<span class=\"_ _0\"></span>on res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>vely i<span class=\"_ _0\"></span>n the p<span class=\"_ _0\"></span>revio<span class=\"_ _0\"></span>us yea<span class=\"_ _0\"></span>r<span class=\"_ _1\"></span>. The<span class=\"_ _0\"></span>se va<span class=\"_ _0\"></span>lue<span class=\"_ _0\"></span>s were deter<span class=\"_ _0\"></span>mi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d usi<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e Bl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>k-Scho<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s valu<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n mo<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>l. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs852\">The s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant i<span class=\"_ _0\"></span>npu<span class=\"_ _0\"></span>ts into th<span class=\"_ _0\"></span>e mod<span class=\"_ _0\"></span>el a<span class=\"_ _0\"></span>re as fol<span class=\"_ _0\"></span>lows:<span class=\"_ _2d6\"> </span></div><div class=\"gs853\"><table class=\"s w565 hd7\" id=\"_8204679a-2e19-45cc-9f58-1b48d30416bb\"><tr><td></td><td class=\"t m0 x1b4 h35 y2b45 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2b46 ff4 fs19 fc5 sc0 lscf wsc6\">Unappro<span class=\"_ _1\"></span>ved Op<span class=\"_ _1\"></span>tions Scheme<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xa93 h35 y2b46 ff4 fs19 fc5 sc0 lsdc wsd3\">2019<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2b47 w566 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Sh<span class=\"_ _0\"></span>are p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce (var<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>us ti<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>s dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g th<span class=\"_ _0\"></span>e year)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa94 y2b47 w567 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">\u00a31.8<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b48 w568 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls1e ws26\">Exercise<span class=\"_ _1\"></span> price<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa95 y2b48 w569 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u00a3ni<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>\u2013<span class=\"_ _2\"></span>\u00a30.44<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b49 w56a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Expect<span class=\"_ _1\"></span>ed lif<span class=\"_ _1\"></span>e<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa96 y2b49 w56b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">4 y<span class=\"_ _1\"></span>ears<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b4a w56c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls13 ws12\">Expect<span class=\"_ _1\"></span>ed vola<span class=\"_ _1\"></span>tility<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa97 y2b4a w56d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd6 wscd\">48%<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29e1 w56e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ri<span class=\"_ _0\"></span>sk-free i<span class=\"_ _0\"></span>nteres<span class=\"_ _0\"></span>t rate (bet<span class=\"_ _0\"></span>we<span class=\"_ _0\"></span>en)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa98 y29e1 w56f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">0.<span class=\"_ _0\"></span>93%\u20131.02%<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29b1 w570 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsfd wsf6\">Dividend yield<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa99 y29b1 w571 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Nil<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w572 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">For<span class=\"_ _0\"></span>wa<span class=\"_ _0\"></span>rd exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e rate \u2013 US O<span class=\"_ _0\"></span>pti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s (bet<span class=\"_ _0\"></span>wee<span class=\"_ _0\"></span>n)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa9a y27eb w573 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.769<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls11 ws10 gs854\">L<span class=\"_ _5\"></span>TIP Awards<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs855\">Si<span class=\"_ _0\"></span>nce a<span class=\"_ _0\"></span>ll L<span class=\"_ _1\"></span>TIP Award<span class=\"_ _0\"></span>s were ma<span class=\"_ _0\"></span>de po<span class=\"_ _0\"></span>st-IP<span class=\"_ _0\"></span>O, the C<span class=\"_ _0\"></span>omp<span class=\"_ _0\"></span>any has u<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d its s<span class=\"_ _0\"></span>hare p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ce at gr<span class=\"_ _0\"></span>ant date as t<span class=\"_ _0\"></span>he fai<span class=\"_ _0\"></span>r val<span class=\"_ _0\"></span>ue of th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs856\">L<span class=\"_ _5\"></span>TI<span class=\"_ _0\"></span>P Awards g<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nted dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g the yea<span class=\"_ _0\"></span>r to emp<span class=\"_ _0\"></span>loyee<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs857\">Fr<span class=\"_ _1\"></span>ee shares<span class=\"_ _1\"></span> and mat<span class=\"_ _1\"></span>ching shares<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs858\">The C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny has use<span class=\"_ _0\"></span>d its s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re pr<span class=\"_ _0\"></span>ice at g<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nt date as the fa<span class=\"_ _0\"></span>ir val<span class=\"_ _0\"></span>ue of f<span class=\"_ _0\"></span>ree s<span class=\"_ _0\"></span>hare<span class=\"_ _0\"></span>s and m<span class=\"_ _0\"></span>atchi<span class=\"_ _0\"></span>ng sh<span class=\"_ _0\"></span>ares g<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>nted dur<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs859\">the yea<span class=\"_ _0\"></span>r to emp<span class=\"_ _0\"></span>loyee<span class=\"_ _0\"></span>s. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-397": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs85b\">22<span class=\"_ _0\"></span>. N<span class=\"_ _0\"></span>otes to th<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated s<span class=\"_ _0\"></span>tate<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt of c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h fl<span class=\"_ _0\"></span>ows<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs85c\">Cash ou<span class=\"_ _1\"></span>t<span class=\"_ _0\"></span>flow<span class=\"_ _1\"></span> from operat<span class=\"_ _1\"></span>ing activit<span class=\"_ _1\"></span>ies<span class=\"_ _2d6\"> </span></div><div class=\"gs85d\"><table class=\"s w574 hd8\" id=\"_bac66dec-ae66-4b8e-a364-ac562fdc2113\"><tr><td></td><td class=\"t m0 x24e h38 y2b4b ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2b4b ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2b4c ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2b4c ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2b4d ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2b4d ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2b4e ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>/(los<span class=\"_ _0\"></span>s) before ta<span class=\"_ _0\"></span>xatio<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2866 w575 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Continuing<span class=\"_ _1\"></span> operations<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x290 y2867 w576 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x636 y2866 w65 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls34 ws35\">(9.9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2868 w577 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Discon<span class=\"_ _1\"></span>tinued operat<span class=\"_ _1\"></span>ions<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa9b y2869 w1c1 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">8.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x93d y2868 w578 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7e ws7a\">(2<span class=\"_ _1\"></span>3.3)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b4f w579 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">T<span class=\"_ _1\"></span>otal o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa9c y2b50 w2b9 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">9.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa9d y2b4f w57a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y2b51 ff6 fs6 fc5 sc0 ls17 ws16\">Adjustments<span class=\"_ _1\"></span> for:<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b52 w57b h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">De<span class=\"_ _0\"></span>pre<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of pr<span class=\"_ _0\"></span>op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, p<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nt an<span class=\"_ _0\"></span>d eq<span class=\"_ _0\"></span>uip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa9e y2b53 w31 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls17 ws16\">3.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xa9f y2b52 wb7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b54 w57c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n of int<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>le a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaa0 y2b55 w456 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls34 ws35\">9.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaa1 y2b54 w57d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls88 ws84\">12.<span class=\"_ _0\"></span>4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b56 w57e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Mo<span class=\"_ _0\"></span>dif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cati<span class=\"_ _0\"></span>on g<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>n<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaa2 y2b57 w46f h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaa3 y2b56 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b58 w57f h98\"><div class=\"t m0 x1ba hd y2841 ff4 fs6 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent of p<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ty, plant a<span class=\"_ _0\"></span>nd e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ip<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt, i<span class=\"_ _0\"></span>ntan<span class=\"_ _0\"></span>gib<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>ets, R<span class=\"_ _0\"></span>OU as<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in<span class=\"_ _2d6\"> </span></div><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">sublease<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaa4 y2b59 w31 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaa5 y2b58 w580 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">6.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b5a w581 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Im<span class=\"_ _0\"></span>pai<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>ent of i<span class=\"_ _0\"></span>nta<span class=\"_ _0\"></span>ng<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>les (except<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l item)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x224 y2b5b w6c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaa6 y2b5a w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b5c w582 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Intere<span class=\"_ _0\"></span>st p<span class=\"_ _0\"></span>ayabl<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x6b4 y2b5d w4ab h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x942 y2b5c w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2b5e ff4 fs6 fc5 sc0 ls2 ws2\">No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>loye<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>its exp<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>se \u2013 s<span class=\"_ _0\"></span>har<span class=\"_ _0\"></span>e-<span class=\"_ _0\"></span>bas<span class=\"_ _0\"></span>ed p<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts a<span class=\"_ _0\"></span>nd as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated  </td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b5f w583 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">social security costs<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaa7 y2b60 w584 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">8<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaa8 y2b5f wb1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">5.6<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b61 w585 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsc wsb\">F<span class=\"_ _1\"></span>air value adju<span class=\"_ _1\"></span>stments<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaa9 y2b62 w586 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(6<span class=\"_ _0\"></span>.4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x58e y2b61 w4c5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd4 wscb\">(8<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b63 w587 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Mov<span class=\"_ _1\"></span>ement in<span class=\"_ _1\"></span> loan repur<span class=\"_ _1\"></span>chase liability<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaaa y2b64 w1b0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaab y2b63 w4c5 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b65 w588 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Movem<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n oth<span class=\"_ _0\"></span>er p<span class=\"_ _0\"></span>rovis<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaac y2b66 w34d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x28f y2b65 w330 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>9<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b67 w589 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Sh<span class=\"_ _0\"></span>are of g<span class=\"_ _0\"></span>ain<span class=\"_ _0\"></span>s of ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaad y2b68 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaae y2b67 w2ab h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _2\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b69 w58a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">ECL im<span class=\"_ _1\"></span>pairment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaaf y2b6a w1ba h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">8.7<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x391 y2b69 w58b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">4.4<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b6b w58c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it o<span class=\"_ _0\"></span>n sa<span class=\"_ _0\"></span>le of th<span class=\"_ _0\"></span>e US s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y (except<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l item)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xab0 y2b6c w58d h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(9.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x33f y2b6b w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b6d w58e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Re<span class=\"_ _0\"></span>cycl<span class=\"_ _0\"></span>ing of fo<span class=\"_ _0\"></span>rei<span class=\"_ _0\"></span>gn exch<span class=\"_ _0\"></span>ang<span class=\"_ _0\"></span>e res<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ve o<span class=\"_ _0\"></span>n sa<span class=\"_ _0\"></span>le of s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y (except<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>l item)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xab1 y2b6e w58f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(8<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xab2 y2b6d w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b6f w3df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>her n<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>sh m<span class=\"_ _0\"></span>oveme<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaa2 y2b70 w79 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xab3 y2b6f w196 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 ha y2b71 ff6 fs6 fc5 sc0 lsd5 wscc\">Changes<span class=\"_ _1\"></span> in working<span class=\"_ _1\"></span> capital<span class=\"_ _2d6\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b72 w590 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Movem<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>ade a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r rec<span class=\"_ _0\"></span>eiva<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xab4 y2b73 w591 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xab5 y2b72 w592 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">(1<span class=\"_ _1\"></span>3.5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29d4 w593 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Movem<span class=\"_ _0\"></span>ent i<span class=\"_ _0\"></span>n tr<span class=\"_ _0\"></span>ade a<span class=\"_ _0\"></span>nd ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r payab<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xab6 y29d5 w594 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd2 wsc9\">(26.6<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xab7 y29d4 w595 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">34.7<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w596 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lse2 wsdb\">Ta<span class=\"_ _2\"></span>x<span class=\"_ _0\"></span> p<span class=\"_ _2\"></span>a<span class=\"_ _2\"></span>i<span class=\"_ _2\"></span>d<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xab8 y27e6 w1b0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x547 y27e5 w33c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y288f w597 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Or<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>ns of l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xab9 y2890 w598 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaba y288f w599 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7c ws78\">(230<span class=\"_ _0\"></span>.4)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w59a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h rec<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>pts fro<span class=\"_ _0\"></span>m l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>t<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xabb y282f w59b h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfc wsf5\">412<span class=\"_ _2\"></span>.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xabc y2830 w59c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7e ws7a\">191.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w1e6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Net c<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>h out<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>low fr<span class=\"_ _0\"></span>om o<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>ng a<span class=\"_ _0\"></span>cti<span class=\"_ _0\"></span>vit<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xabd y27ec w12e h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xabe y27eb w59d h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8a ws86\">(25.6<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsc wsb gs85e\">Cash and<span class=\"_ _1\"></span> cash equivalent<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span></div><div class=\"gs85f\"><table class=\"s w26f hd9\" id=\"_c05a9683-3942-4327-aedd-3aec930bcdfb\"><tr><td></td><td class=\"t m0 x24e h38 y2b74 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2b74 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2b75 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2b75 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2b76 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2b76 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27eb wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x787 y27ec w359 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x788 y27eb wc6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">221.4<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs860\">The c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>lent<span class=\"_ _0\"></span>s bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce is m<span class=\"_ _0\"></span>ade u<span class=\"_ _0\"></span>p of cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d mo<span class=\"_ _0\"></span>ney ma<span class=\"_ _0\"></span>rket fun<span class=\"_ _0\"></span>ds. T<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs861\">the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roximatel<span class=\"_ _0\"></span>y eq<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>l to thei<span class=\"_ _0\"></span>r fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e. In<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>vale<span class=\"_ _0\"></span>nts ab<span class=\"_ _0\"></span>ove is a total of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs862\">\u00a337<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span>1 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3<span class=\"_ _1\"></span>51.8 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) in cas<span class=\"_ _0\"></span>h wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>s restr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ted in us<span class=\"_ _0\"></span>e. Of t<span class=\"_ _0\"></span>his<span class=\"_ _0\"></span>, \u00a3nil (2023: \u00a31.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) is res<span class=\"_ _0\"></span>tri<span class=\"_ _0\"></span>cted i<span class=\"_ _0\"></span>n use </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs863\">in th<span class=\"_ _0\"></span>e event of renta<span class=\"_ _0\"></span>l paym<span class=\"_ _0\"></span>ent defa<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>refore rest<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cted in i<span class=\"_ _0\"></span>ts us<span class=\"_ _0\"></span>e. \u00a35.0 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a331<span class=\"_ _1\"></span>.1 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) of cash i<span class=\"_ _0\"></span>s </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs864\">hel<span class=\"_ _0\"></span>d wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h is rest<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cted in u<span class=\"_ _0\"></span>se to repay<span class=\"_ _0\"></span>ing i<span class=\"_ _0\"></span>nvestors i<span class=\"_ _0\"></span>n CB<span class=\"_ _0\"></span>ILS a<span class=\"_ _0\"></span>nd R<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd p<span class=\"_ _0\"></span>ayin<span class=\"_ _0\"></span>g CB<span class=\"_ _0\"></span>ILS a<span class=\"_ _0\"></span>nd R<span class=\"_ _0\"></span>LS-<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>ated cos<span class=\"_ _0\"></span>ts to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws123 gs865\">the U<span class=\"_ _0\"></span>K gover<span class=\"_ _0\"></span>nm<span class=\"_ _0\"></span>ent. A f<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er \u00a332.<span class=\"_ _1\"></span>1 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>19.6 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) of cash i<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>ld wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h is rest<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cted for us<span class=\"_ _0\"></span>e in th<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls3e ws3f gs866\">warehouse<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs867\">At 31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, mon<span class=\"_ _0\"></span>ey mar<span class=\"_ _0\"></span>ket fun<span class=\"_ _0\"></span>ds totall<span class=\"_ _0\"></span>ed \u00a3<span class=\"_ _0\"></span>136.3 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a315<span class=\"_ _0\"></span>0.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on).<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3e ws3f gs869\">Analysis of<span class=\"_ _1\"></span> chang<span class=\"_ _0\"></span>es in liabilities f<span class=\"_ _1\"></span>rom fina<span class=\"_ _0\"></span>ncing activities<span class=\"_ _2d6\"> </span></div><div class=\"gs86a\"><table class=\"s w3cd hda\" id=\"_6e4dddab-e0ca-4afb-bbd7-560b81d840db\"><tr><td></td><td class=\"t m0 xabf h35 y2b77 ff4 fs19 fc5 sc0 ls13c ws136\">1 January<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x582 h35 y2b77 ff4 fs19 fc5 sc0 lsd0 wsc7\">Exchange<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xac0 h35 y2b77 ff4 fs19 fc5 sc0 lsd1 wsc8\">Other non-cash<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2b77 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x734 h35 y2b78 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x738 h35 y2b78 ff4 fs19 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>w<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x380 h35 y2b78 ff4 fs19 fc5 sc0 lsd1 wsc8\">mov<span class=\"_ _1\"></span>ements<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xac1 h35 y2b78 ff4 fs19 fc5 sc0 lsd1 wsc8\">mov<span class=\"_ _1\"></span>ements<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2b78 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x68f h35 y2b79 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b9 h35 y2b79 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h35 y2b79 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h35 y2b79 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2b79 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e5 wd0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac2 y27e5 w59e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(22<span class=\"_ _0\"></span>.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac3 y27e5 w59f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac4 y27e5 w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac5 y27e5 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac6 y27e5 w15d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w5a0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Bonds<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac7 y27e7 w5a1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls80 ws7c\">(23.<span class=\"_ _0\"></span>7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac8 y27e7 w46a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls80 ws7c\">23<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac9 y27e7 w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaca y27e7 w392 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xacb y27e7 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2907 wd8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xacc y2907 w5a2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(19.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xacd y2907 wda h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2d\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xace y2907 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xacf y2907 w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bf y2907 w5a3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls88 ws84\">(12.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w5a4 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">Liabilities from<span class=\"_ _1\"></span> fi<span class=\"_ _0\"></span>nancing activities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xad0 y27eb w5a5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xad1 y27eb w5a6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4.<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xad2 y27eb w5a7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xad3 y27eb w5a8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls34 ws35\">(0.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xad4 y27eb w5a9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(69.5)<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"gs86b\"><table class=\"s w5aa hdb\" id=\"_b08965d2-e9df-4976-94d9-0d88dae954b1\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xad5 h38 y2b7a ff2 fs19 fc3 sc0 lscf wsc6\">Derecognition<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x425 h38 y2b7b ff2 fs19 fc3 sc0 lscf wsc6\">of liabilit<span class=\"_ _1\"></span>ies<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xad6 h38 y2b7c ff2 fs19 fc3 sc0 ls144 ws13f\">relat<span class=\"_ _1\"></span>ed to<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xad7 h38 y2b7d ff2 fs19 fc3 sc0 ls120 ws118\">1 Jan<span class=\"_ _1\"></span>uar<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 xad8 h38 y2b7d ff2 fs19 fc3 sc0 lse5 wsde\">Exchange<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xad9 h38 y2b7d ff2 fs19 fc3 sc0 lsd9 wsd0\">Other non-cash<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x539 h38 y2b7d ff2 fs19 fc3 sc0 lse4 wsdd\">discontinued<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37e h38 y2b7d ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xada h38 y2b7e ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xadb h38 y2b7e ff2 fs19 fc3 sc0 lsd0 wsc7\">Cash flow<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xadc h38 y2b7e ff2 fs19 fc3 sc0 ls106 wsff\">move<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b6 h38 y2b7e ff2 fs19 fc3 sc0 ls106 wsff\">move<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xadd h38 y2b7e ff2 fs19 fc3 sc0 ls107 ws100\">operatio<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x382 h38 y2b7e ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xade h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xadf h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xae0 h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a65 wd0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae1 y2ab0 w5ab h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls53 ws6d\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae2 y2ab0 w5ac h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae3 y2ab0 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae4 y2ab0 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae5 y2ab0 w5ad h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae6 y2ab0 w3f0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f wd8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae7 y2aa1 w5ae h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">(12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae8 y2aa1 w39e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">3.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae9 y2aa1 w51 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>0.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaea y2aa1 w3d h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls53 ws6d\">(5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaeb y2aa1 w5af h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaec y2aa1 w3be h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w5a4 h91\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls17 ws16\">Liabilities from<span class=\"_ _1\"></span> fi<span class=\"_ _0\"></span>nancing activities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaed y27eb w171 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls8b ws87\">(69.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaee y27eb w5b0 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaef y27eb w1ab h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x211 y27eb w1bf h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls53 ws6d\">(5<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf0 y27eb w5b1 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf1 y27eb w5b2 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">(1<span class=\"_ _0\"></span>09.<span class=\"_ _0\"></span>5)</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-452": {
   "value": "Cash and<span class=\"_ _1\"></span> cash equivalent<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span><table class=\"s w26f hd9\" id=\"_c05a9683-3942-4327-aedd-3aec930bcdfb\"><tr><td></td><td class=\"t m0 x24e h38 y2b74 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2b74 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2b75 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2b75 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2b76 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2b76 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27eb wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x787 y27ec w359 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x788 y27eb wc6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">221.4<span class=\"_ _2d6\"> </span></div></td></tr></table>The c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>lent<span class=\"_ _0\"></span>s bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce is m<span class=\"_ _0\"></span>ade u<span class=\"_ _0\"></span>p of cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d mo<span class=\"_ _0\"></span>ney ma<span class=\"_ _0\"></span>rket fun<span class=\"_ _0\"></span>ds. T<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roximatel<span class=\"_ _0\"></span>y eq<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>l to thei<span class=\"_ _0\"></span>r fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e. In<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>vale<span class=\"_ _0\"></span>nts ab<span class=\"_ _0\"></span>ove is a total of \u00a337<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span>1 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3<span class=\"_ _1\"></span>51.8 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) in cas<span class=\"_ _0\"></span>h wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>s restr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ted in us<span class=\"_ _0\"></span>e. Of t<span class=\"_ _0\"></span>his<span class=\"_ _0\"></span>, \u00a3nil (2023: \u00a31.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) is res<span class=\"_ _0\"></span>tri<span class=\"_ _0\"></span>cted i<span class=\"_ _0\"></span>n use in th<span class=\"_ _0\"></span>e event of renta<span class=\"_ _0\"></span>l paym<span class=\"_ _0\"></span>ent defa<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>refore rest<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cted in i<span class=\"_ _0\"></span>ts us<span class=\"_ _0\"></span>e. \u00a35.0 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a331<span class=\"_ _1\"></span>.1 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) of cash i<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h is rest<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cted in u<span class=\"_ _0\"></span>se to repay<span class=\"_ _0\"></span>ing i<span class=\"_ _0\"></span>nvestors i<span class=\"_ _0\"></span>n CB<span class=\"_ _0\"></span>ILS a<span class=\"_ _0\"></span>nd R<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd p<span class=\"_ _0\"></span>ayin<span class=\"_ _0\"></span>g CB<span class=\"_ _0\"></span>ILS a<span class=\"_ _0\"></span>nd R<span class=\"_ _0\"></span>LS-<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>ated cos<span class=\"_ _0\"></span>ts to the U<span class=\"_ _0\"></span>K gover<span class=\"_ _0\"></span>nm<span class=\"_ _0\"></span>ent. A f<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er \u00a332.<span class=\"_ _1\"></span>1 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>19.6 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) of cash i<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>ld wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h is rest<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cted for us<span class=\"_ _0\"></span>e in th<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay warehouse<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>At 31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, mon<span class=\"_ _0\"></span>ey mar<span class=\"_ _0\"></span>ket fun<span class=\"_ _0\"></span>ds totall<span class=\"_ _0\"></span>ed \u00a3<span class=\"_ _0\"></span>136.3 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a315<span class=\"_ _0\"></span>0.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on).<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRestrictedCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-435": {
   "value": "Cash and<span class=\"_ _1\"></span> cash equivalent<span class=\"_ _1\"></span>s<span class=\"_ _2d6\"> </span><table class=\"s w26f hd9\" id=\"_c05a9683-3942-4327-aedd-3aec930bcdfb\"><tr><td></td><td class=\"t m0 x24e h38 y2b74 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2b74 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2b75 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2b75 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2b76 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2b76 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27eb wc3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d ca<span class=\"_ _0\"></span>sh e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ival<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>s<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x787 y27ec w359 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x788 y27eb wc6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls9 ws8\">221.4<span class=\"_ _2d6\"> </span></div></td></tr></table>The c<span class=\"_ _0\"></span>ash a<span class=\"_ _0\"></span>nd c<span class=\"_ _0\"></span>ash e<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>lent<span class=\"_ _0\"></span>s bal<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce is m<span class=\"_ _0\"></span>ade u<span class=\"_ _0\"></span>p of cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d mo<span class=\"_ _0\"></span>ney ma<span class=\"_ _0\"></span>rket fun<span class=\"_ _0\"></span>ds. T<span class=\"_ _0\"></span>he c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nt of the<span class=\"_ _0\"></span>se as<span class=\"_ _0\"></span>sets is a<span class=\"_ _0\"></span>pp<span class=\"_ _0\"></span>roximatel<span class=\"_ _0\"></span>y eq<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>l to thei<span class=\"_ _0\"></span>r fai<span class=\"_ _0\"></span>r valu<span class=\"_ _0\"></span>e. In<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ude<span class=\"_ _0\"></span>d wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n cas<span class=\"_ _0\"></span>h an<span class=\"_ _0\"></span>d cas<span class=\"_ _0\"></span>h eq<span class=\"_ _0\"></span>ui<span class=\"_ _0\"></span>vale<span class=\"_ _0\"></span>nts ab<span class=\"_ _0\"></span>ove is a total of \u00a337<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span>1 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a3<span class=\"_ _1\"></span>51.8 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) in cas<span class=\"_ _0\"></span>h wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>s restr<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ted in us<span class=\"_ _0\"></span>e. Of t<span class=\"_ _0\"></span>his<span class=\"_ _0\"></span>, \u00a3nil (2023: \u00a31.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) is res<span class=\"_ _0\"></span>tri<span class=\"_ _0\"></span>cted i<span class=\"_ _0\"></span>n use in th<span class=\"_ _0\"></span>e event of renta<span class=\"_ _0\"></span>l paym<span class=\"_ _0\"></span>ent defa<span class=\"_ _0\"></span>ult<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>s the<span class=\"_ _0\"></span>refore rest<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cted in i<span class=\"_ _0\"></span>ts us<span class=\"_ _0\"></span>e. \u00a35.0 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on (2023: \u00a331<span class=\"_ _1\"></span>.1 mill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n) of cash i<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h is rest<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cted in u<span class=\"_ _0\"></span>se to repay<span class=\"_ _0\"></span>ing i<span class=\"_ _0\"></span>nvestors i<span class=\"_ _0\"></span>n CB<span class=\"_ _0\"></span>ILS a<span class=\"_ _0\"></span>nd R<span class=\"_ _0\"></span>LS lo<span class=\"_ _0\"></span>ans a<span class=\"_ _0\"></span>nd p<span class=\"_ _0\"></span>ayin<span class=\"_ _0\"></span>g CB<span class=\"_ _0\"></span>ILS a<span class=\"_ _0\"></span>nd R<span class=\"_ _0\"></span>LS-<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>ated cos<span class=\"_ _0\"></span>ts to the U<span class=\"_ _0\"></span>K gover<span class=\"_ _0\"></span>nm<span class=\"_ _0\"></span>ent. A f<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er \u00a332.<span class=\"_ _1\"></span>1 m<span class=\"_ _0\"></span>ill<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>19.6 mil<span class=\"_ _0\"></span>lio<span class=\"_ _0\"></span>n) of cash i<span class=\"_ _0\"></span>s he<span class=\"_ _0\"></span>ld wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h is rest<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>cted for us<span class=\"_ _0\"></span>e in th<span class=\"_ _0\"></span>e Flexi<span class=\"_ _0\"></span>Pay warehouse<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>At 31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, mon<span class=\"_ _0\"></span>ey mar<span class=\"_ _0\"></span>ket fun<span class=\"_ _0\"></span>ds totall<span class=\"_ _0\"></span>ed \u00a3<span class=\"_ _0\"></span>136.3 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a315<span class=\"_ _0\"></span>0.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on).<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-436": {
   "value": "Analysis of<span class=\"_ _1\"></span> chang<span class=\"_ _0\"></span>es in liabilities f<span class=\"_ _1\"></span>rom fina<span class=\"_ _0\"></span>ncing activities<span class=\"_ _2d6\"> </span><table class=\"s w3cd hda\" id=\"_6e4dddab-e0ca-4afb-bbd7-560b81d840db\"><tr><td></td><td class=\"t m0 xabf h35 y2b77 ff4 fs19 fc5 sc0 ls13c ws136\">1 January<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x582 h35 y2b77 ff4 fs19 fc5 sc0 lsd0 wsc7\">Exchange<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xac0 h35 y2b77 ff4 fs19 fc5 sc0 lsd1 wsc8\">Other non-cash<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2b77 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x734 h35 y2b78 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x738 h35 y2b78 ff4 fs19 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lo<span class=\"_ _0\"></span>w<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x380 h35 y2b78 ff4 fs19 fc5 sc0 lsd1 wsc8\">mov<span class=\"_ _1\"></span>ements<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xac1 h35 y2b78 ff4 fs19 fc5 sc0 lsd1 wsc8\">mov<span class=\"_ _1\"></span>ements<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2b78 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x68f h35 y2b79 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b9 h35 y2b79 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h35 y2b79 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x586 h35 y2b79 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2b79 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e5 wd0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac2 y27e5 w59e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8a ws86\">(22<span class=\"_ _0\"></span>.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac3 y27e5 w59f h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7b ws77\">(3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac4 y27e5 w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac5 y27e5 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac6 y27e5 w15d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7f ws7b\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w5a0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls13 ws12\">Bonds<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac7 y27e7 w5a1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls80 ws7c\">(23.<span class=\"_ _0\"></span>7)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac8 y27e7 w46a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls80 ws7c\">23<span class=\"_ _0\"></span>.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xac9 y27e7 w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaca y27e7 w392 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd7 wsce\">(0.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xacb y27e7 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2907 wd8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xacc y2907 w5a2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(19.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xacd y2907 wda h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsb4 wsb0\">7.<span class=\"_ _2d\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xace y2907 w190 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xacf y2907 w199 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">(0.6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x4bf y2907 w5a3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls88 ws84\">(12.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w5a4 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls17 ws16\">Liabilities from<span class=\"_ _1\"></span> fi<span class=\"_ _0\"></span>nancing activities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xad0 y27eb w5a5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xad1 y27eb w5a6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfc wsf5\">(4.<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xad2 y27eb w5a7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls32 ws33\">1.8<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xad3 y27eb w5a8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls34 ws35\">(0.9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xad4 y27eb w5a9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls8b ws87\">(69.5)<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w5aa hdb\" id=\"_b08965d2-e9df-4976-94d9-0d88dae954b1\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xad5 h38 y2b7a ff2 fs19 fc3 sc0 lscf wsc6\">Derecognition<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x425 h38 y2b7b ff2 fs19 fc3 sc0 lscf wsc6\">of liabilit<span class=\"_ _1\"></span>ies<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xad6 h38 y2b7c ff2 fs19 fc3 sc0 ls144 ws13f\">relat<span class=\"_ _1\"></span>ed to<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xad7 h38 y2b7d ff2 fs19 fc3 sc0 ls120 ws118\">1 Jan<span class=\"_ _1\"></span>uar<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 xad8 h38 y2b7d ff2 fs19 fc3 sc0 lse5 wsde\">Exchange<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xad9 h38 y2b7d ff2 fs19 fc3 sc0 lsd9 wsd0\">Other non-cash<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x539 h38 y2b7d ff2 fs19 fc3 sc0 lse4 wsdd\">discontinued<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37e h38 y2b7d ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xada h38 y2b7e ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xadb h38 y2b7e ff2 fs19 fc3 sc0 lsd0 wsc7\">Cash flow<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xadc h38 y2b7e ff2 fs19 fc3 sc0 ls106 wsff\">move<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b6 h38 y2b7e ff2 fs19 fc3 sc0 ls106 wsff\">move<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xadd h38 y2b7e ff2 fs19 fc3 sc0 ls107 ws100\">operatio<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x382 h38 y2b7e ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xade h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xadf h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xae0 h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c2 h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h38 y2b7f ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a65 wd0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsfd wsf6\">Bank borrowings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae1 y2ab0 w5ab h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls53 ws6d\">(5<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae2 y2ab0 w5ac h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae3 y2ab0 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae4 y2ab0 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae5 y2ab0 w5ad h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">1.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae6 y2ab0 w3f0 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls8b ws87\">(101.<span class=\"_ _0\"></span>9)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a3f wd8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd2 wsc9\">Lease liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae7 y2aa1 w5ae h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsd4 wscb\">(12<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae8 y2aa1 w39e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">3.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xae9 y2aa1 w51 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf8 wsf1\">(<span class=\"_ _0\"></span>0.3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaea y2aa1 w3d h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls53 ws6d\">(5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaeb y2aa1 w5af h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>5<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaec y2aa1 w3be h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">(<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w5a4 h91\"><div class=\"t m0 x1ba ha y27b5 ff6 fs6 fc5 sc0 ls17 ws16\">Liabilities from<span class=\"_ _1\"></span> fi<span class=\"_ _0\"></span>nancing activities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaed y27eb w171 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls8b ws87\">(69.<span class=\"_ _0\"></span>5)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaee y27eb w5b0 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsfc wsf5\">(4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaef y27eb w1ab h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 lsf8 wsf1\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x211 y27eb w1bf h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls53 ws6d\">(5<span class=\"_ _0\"></span>.8)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf0 y27eb w5b1 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls31 ws32\">9<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf1 y27eb w5b2 h91\"><div class=\"t m0 x1ba ha y27b5 ff2 fs6 fc3 sc0 ls34 ws35\">(1<span class=\"_ _0\"></span>09.<span class=\"_ _0\"></span>5)</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-398": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs876\">24. D<span class=\"_ _0\"></span>iv<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ds p<span class=\"_ _0\"></span>er s<span class=\"_ _0\"></span>ha<span class=\"_ _0\"></span>re<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs877\">No o<span class=\"_ _0\"></span>rdin<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y d<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>den<span class=\"_ _0\"></span>ds were d<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>lare<span class=\"_ _0\"></span>d or p<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>e cur<span class=\"_ _0\"></span>rent o<span class=\"_ _0\"></span>r previ<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>s fi<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l year<span class=\"_ _0\"></span>s.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-399": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs879\">25. R<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ated p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y tr<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs87a\">Ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ces a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny and i<span class=\"_ _0\"></span>ts su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s, wh<span class=\"_ _0\"></span>ich a<span class=\"_ _0\"></span>re rel<span class=\"_ _0\"></span>ated pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s, have be<span class=\"_ _0\"></span>en e<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>ated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs87b\">on co<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>oli<span class=\"_ _0\"></span>dati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd ar<span class=\"_ _0\"></span>e not dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>is n<span class=\"_ _0\"></span>ote. </div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs87c\">Compensati<span class=\"_ _1\"></span>on of k<span class=\"_ _1\"></span>ey<span class=\"_ _1\"></span> management personnel<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs87d\">Key mana<span class=\"_ _0\"></span>gem<span class=\"_ _0\"></span>ent p<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>l are th<span class=\"_ _0\"></span>ose p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>son<span class=\"_ _0\"></span>s havin<span class=\"_ _0\"></span>g aut<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y a<span class=\"_ _0\"></span>nd res<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y for pl<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng, di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs87e\">cont<span class=\"_ _0\"></span>rol<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s key man<span class=\"_ _0\"></span>age<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt pe<span class=\"_ _0\"></span>rso<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>el co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ses th<span class=\"_ _0\"></span>e Exe<span class=\"_ _0\"></span>cut<span class=\"_ _0\"></span>ive Co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>tee </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs87f\">(\u201c<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>xCo<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>), f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ly kn<span class=\"_ _0\"></span>own as t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>lob<span class=\"_ _0\"></span>al Lea<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ip T<span class=\"_ _1\"></span>eam (<span class=\"_ _0\"></span>\u201cG<span class=\"_ _0\"></span>L<span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>)<span class=\"_ _1\"></span>, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h is m<span class=\"_ _0\"></span>ade u<span class=\"_ _0\"></span>p of the E<span class=\"_ _0\"></span>xecu<span class=\"_ _0\"></span>tive D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctors a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs880\">sen<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt, as def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n note 5, as th<span class=\"_ _0\"></span>e chi<span class=\"_ _0\"></span>ef op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g dec<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on m<span class=\"_ _0\"></span>aker (\u201c<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>\u201d) a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>xecut<span class=\"_ _0\"></span>ive </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs881\">Di<span class=\"_ _0\"></span>rector<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up.<span class=\"_ _2d6\"> </span></div><div class=\"gs882\"><table class=\"s w26f had\" id=\"_56b2b3b8-1856-4ed0-82c5-0f19beb722b4\"><tr><td></td><td class=\"t m0 x24e h38 y2b83 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2b83 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2b84 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2b84 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2b85 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2b85 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e5 w5b4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Salaries and short<span class=\"_ _1\"></span>-term bene<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>its<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf5 y27e6 w5b5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">5.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x295 y27e5 w5b6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w5b7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Equity-based compensa<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf6 y27e8 w5b8 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">1.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf7 y27e7 w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w5b9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Post<span class=\"_ _1\"></span>-employmen<span class=\"_ _1\"></span>t benefits<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x937 y282f wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf8 y2830 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x4d9 y27ec w5ba h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">6.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf9 y27eb w580 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">6.9<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs883\">Fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>s on D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctors<span class=\"_ _0\"></span>\u2019 rem<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>re dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he Re<span class=\"_ _0\"></span>mun<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n Rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t in the C<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rate Gover<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ce </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs884\">sec<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of the A<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>l Rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t and Acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts on p<span class=\"_ _0\"></span>age<span class=\"_ _0\"></span>s 101 to 11<span class=\"_ _1\"></span>1.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs885\">T<span class=\"_ _5\"></span>ransactions<span class=\"_ _1\"></span> with ot<span class=\"_ _1\"></span>her relat<span class=\"_ _1\"></span>ed parties<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs886\">Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ived c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l rede<span class=\"_ _0\"></span>mpt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s of \u00a30.9 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on (2023: \u00a31.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) an<span class=\"_ _0\"></span>d rec<span class=\"_ _0\"></span>eive<span class=\"_ _0\"></span>d divi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>nds of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs887\">\u00a3nil (2023: \u00a30.<span class=\"_ _1\"></span>1 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) from e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unted for a<span class=\"_ _0\"></span>s ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs888\">Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ived s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ce fee<span class=\"_ _0\"></span>s from l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld by Th<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ton Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Des<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nated Act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ty </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs889\">Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny of \u00a30.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a30.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on). This enti<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s a sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>iar<span class=\"_ _0\"></span>y of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iate, as deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n note 29.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-437": {
   "value": "25. R<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ated p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y tr<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>sa<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>ns<span class=\"_ _2d6\"> </span>Ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ces a<span class=\"_ _0\"></span>nd t<span class=\"_ _0\"></span>ran<span class=\"_ _0\"></span>sac<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>ns b<span class=\"_ _0\"></span>etwe<span class=\"_ _0\"></span>en th<span class=\"_ _0\"></span>e Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny and i<span class=\"_ _0\"></span>ts su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s, wh<span class=\"_ _0\"></span>ich a<span class=\"_ _0\"></span>re rel<span class=\"_ _0\"></span>ated pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s, have be<span class=\"_ _0\"></span>en e<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>ated on co<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>oli<span class=\"_ _0\"></span>dati<span class=\"_ _0\"></span>on a<span class=\"_ _0\"></span>nd ar<span class=\"_ _0\"></span>e not dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in th<span class=\"_ _0\"></span>is n<span class=\"_ _0\"></span>ote. Compensati<span class=\"_ _1\"></span>on of k<span class=\"_ _1\"></span>ey<span class=\"_ _1\"></span> management personnel<span class=\"_ _2d6\"> </span>Key mana<span class=\"_ _0\"></span>gem<span class=\"_ _0\"></span>ent p<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>l are th<span class=\"_ _0\"></span>ose p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>son<span class=\"_ _0\"></span>s havin<span class=\"_ _0\"></span>g aut<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y a<span class=\"_ _0\"></span>nd res<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y for pl<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng, di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d cont<span class=\"_ _0\"></span>rol<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s key man<span class=\"_ _0\"></span>age<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt pe<span class=\"_ _0\"></span>rso<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>el co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ses th<span class=\"_ _0\"></span>e Exe<span class=\"_ _0\"></span>cut<span class=\"_ _0\"></span>ive Co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>tee (\u201c<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>xCo<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>), f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ly kn<span class=\"_ _0\"></span>own as t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>lob<span class=\"_ _0\"></span>al Lea<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ip T<span class=\"_ _1\"></span>eam (<span class=\"_ _0\"></span>\u201cG<span class=\"_ _0\"></span>L<span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>)<span class=\"_ _1\"></span>, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h is m<span class=\"_ _0\"></span>ade u<span class=\"_ _0\"></span>p of the E<span class=\"_ _0\"></span>xecu<span class=\"_ _0\"></span>tive D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctors a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er sen<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt, as def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n note 5, as th<span class=\"_ _0\"></span>e chi<span class=\"_ _0\"></span>ef op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g dec<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on m<span class=\"_ _0\"></span>aker (\u201c<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>\u201d) a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>xecut<span class=\"_ _0\"></span>ive Di<span class=\"_ _0\"></span>rector<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up.<span class=\"_ _2d6\"> </span><table class=\"s w26f had\" id=\"_56b2b3b8-1856-4ed0-82c5-0f19beb722b4\"><tr><td></td><td class=\"t m0 x24e h38 y2b83 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2b83 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2b84 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2b84 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2b85 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2b85 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e5 w5b4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Salaries and short<span class=\"_ _1\"></span>-term bene<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>its<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf5 y27e6 w5b5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">5.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x295 y27e5 w5b6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w5b7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Equity-based compensa<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf6 y27e8 w5b8 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">1.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf7 y27e7 w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w5b9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Post<span class=\"_ _1\"></span>-employmen<span class=\"_ _1\"></span>t benefits<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x937 y282f wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf8 y2830 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x4d9 y27ec w5ba h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">6.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf9 y27eb w580 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">6.9<span class=\"_ _2d6\"> </span></div></td></tr></table>Fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>s on D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctors<span class=\"_ _0\"></span>\u2019 rem<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>re dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he Re<span class=\"_ _0\"></span>mun<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n Rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t in the C<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rate Gover<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ce sec<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of the A<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>l Rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t and Acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts on p<span class=\"_ _0\"></span>age<span class=\"_ _0\"></span>s 101 to 11<span class=\"_ _1\"></span>1.<span class=\"_ _2d6\"> </span>T<span class=\"_ _5\"></span>ransactions<span class=\"_ _1\"></span> with ot<span class=\"_ _1\"></span>her relat<span class=\"_ _1\"></span>ed parties<span class=\"_ _2d6\"> </span>Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ived c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l rede<span class=\"_ _0\"></span>mpt<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s of \u00a30.9 mi<span class=\"_ _0\"></span>lli<span class=\"_ _0\"></span>on (2023: \u00a31.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) an<span class=\"_ _0\"></span>d rec<span class=\"_ _0\"></span>eive<span class=\"_ _0\"></span>d divi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>nds of \u00a3nil (2023: \u00a30.<span class=\"_ _1\"></span>1 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on) from e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unted for a<span class=\"_ _0\"></span>s ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates.<span class=\"_ _2d6\"> </span>Du<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e year<span class=\"_ _1\"></span>, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup re<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>ived s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ce fee<span class=\"_ _0\"></span>s from l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns he<span class=\"_ _0\"></span>ld by Th<span class=\"_ _0\"></span>rog<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ton Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Des<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>nated Act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ty Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny of \u00a30.<span class=\"_ _1\"></span>1 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a30.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on). This enti<span class=\"_ _0\"></span>ty i<span class=\"_ _0\"></span>s a sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>iar<span class=\"_ _0\"></span>y of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iate, as deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n note 29.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTransactionsBetweenRelatedPartiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-454": {
   "value": "Compensati<span class=\"_ _1\"></span>on of k<span class=\"_ _1\"></span>ey<span class=\"_ _1\"></span> management personnel<span class=\"_ _2d6\"> </span>Key mana<span class=\"_ _0\"></span>gem<span class=\"_ _0\"></span>ent p<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>l are th<span class=\"_ _0\"></span>ose p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>son<span class=\"_ _0\"></span>s havin<span class=\"_ _0\"></span>g aut<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>rit<span class=\"_ _0\"></span>y a<span class=\"_ _0\"></span>nd res<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y for pl<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>ng, di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g an<span class=\"_ _0\"></span>d cont<span class=\"_ _0\"></span>rol<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ng th<span class=\"_ _0\"></span>e act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s key man<span class=\"_ _0\"></span>age<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt pe<span class=\"_ _0\"></span>rso<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>el co<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ses th<span class=\"_ _0\"></span>e Exe<span class=\"_ _0\"></span>cut<span class=\"_ _0\"></span>ive Co<span class=\"_ _0\"></span>mmi<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>tee (\u201c<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>xCo<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>), f<span class=\"_ _1\"></span>o<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ly kn<span class=\"_ _0\"></span>own as t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>lob<span class=\"_ _0\"></span>al Lea<span class=\"_ _0\"></span>der<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ip T<span class=\"_ _1\"></span>eam (<span class=\"_ _0\"></span>\u201cG<span class=\"_ _0\"></span>L<span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>\u201d<span class=\"_ _0\"></span>)<span class=\"_ _1\"></span>, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h is m<span class=\"_ _0\"></span>ade u<span class=\"_ _0\"></span>p of the E<span class=\"_ _0\"></span>xecu<span class=\"_ _0\"></span>tive D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctors a<span class=\"_ _0\"></span>nd oth<span class=\"_ _0\"></span>er sen<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>r man<span class=\"_ _0\"></span>ag<span class=\"_ _0\"></span>eme<span class=\"_ _0\"></span>nt, as def<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed i<span class=\"_ _0\"></span>n note 5, as th<span class=\"_ _0\"></span>e chi<span class=\"_ _0\"></span>ef op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atin<span class=\"_ _0\"></span>g dec<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>on m<span class=\"_ _0\"></span>aker (\u201c<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>\u201d) a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e No<span class=\"_ _0\"></span>n-<span class=\"_ _0\"></span>E<span class=\"_ _0\"></span>xecut<span class=\"_ _0\"></span>ive Di<span class=\"_ _0\"></span>rector<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>ro<span class=\"_ _0\"></span>up.<span class=\"_ _2d6\"> </span><table class=\"s w26f had\" id=\"_56b2b3b8-1856-4ed0-82c5-0f19beb722b4\"><tr><td></td><td class=\"t m0 x24e h38 y2b83 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2b83 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2b84 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2b84 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2b85 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2b85 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y27e5 w5b4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Salaries and short<span class=\"_ _1\"></span>-term bene<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>its<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf5 y27e6 w5b5 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">5.0<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x295 y27e5 w5b6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">4.8<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w5b7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Equity-based compensa<span class=\"_ _1\"></span>tion<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf6 y27e8 w5b8 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">1.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf7 y27e7 w20e h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">2.0<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w5b9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Post<span class=\"_ _1\"></span>-employmen<span class=\"_ _1\"></span>t benefits<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x937 y282f wea h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf8 y2830 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"c n x4d9 y27ec w5ba h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">6.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xaf9 y27eb w580 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd8 wscf\">6.9<span class=\"_ _2d6\"> </span></div></td></tr></table>Fur<span class=\"_ _0\"></span>th<span class=\"_ _0\"></span>er deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>s on D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctors<span class=\"_ _0\"></span>\u2019 rem<span class=\"_ _0\"></span>un<span class=\"_ _0\"></span>erat<span class=\"_ _0\"></span>ion a<span class=\"_ _0\"></span>re dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d in t<span class=\"_ _0\"></span>he Re<span class=\"_ _0\"></span>mun<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n Rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t in the C<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>rate Gover<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>ce sec<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of the A<span class=\"_ _0\"></span>nn<span class=\"_ _0\"></span>ua<span class=\"_ _0\"></span>l Rep<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>t and Acc<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts on p<span class=\"_ _0\"></span>age<span class=\"_ _0\"></span>s 101 to 11<span class=\"_ _1\"></span>1.<span class=\"_ _2d6\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-400": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls50 ws4d gs88b\">26.<span class=\"_ _1\"></span> Ultimat<span class=\"_ _1\"></span>e contr<span class=\"_ _1\"></span>olling party<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs88c\">In th<span class=\"_ _0\"></span>e op<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>he Di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tors, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup d<span class=\"_ _0\"></span>oe<span class=\"_ _0\"></span>s not have a si<span class=\"_ _0\"></span>ngl<span class=\"_ _0\"></span>e ul<span class=\"_ _0\"></span>tim<span class=\"_ _0\"></span>ate contro<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g par<span class=\"_ _2\"></span>ty<span class=\"_ _1\"></span>.</div>",
   "dimensions": {
    "concept": "fundingcircleholdingsplc:DisclosureOfUltimateControllingParty",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-401": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls56 ws52 gs88e\">27<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span> Contingent liabilit<span class=\"_ _1\"></span>ies and commit<span class=\"_ _1\"></span>ments<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs88f\">As pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of th<span class=\"_ _0\"></span>e on<span class=\"_ _0\"></span>goi<span class=\"_ _0\"></span>ng b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>as op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>nal re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s with i<span class=\"_ _0\"></span>ts investo<span class=\"_ _0\"></span>rs. At a<span class=\"_ _0\"></span>ny poi<span class=\"_ _0\"></span>nt in ti<span class=\"_ _0\"></span>me, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs890\">it is p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le th<span class=\"_ _0\"></span>at a par<span class=\"_ _2\"></span>ticul<span class=\"_ _0\"></span>ar i<span class=\"_ _0\"></span>nvestor may expe<span class=\"_ _0\"></span>ct th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up to pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r loa<span class=\"_ _0\"></span>n in t<span class=\"_ _0\"></span>he event of a bre<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>h of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs891\">rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>ntatio<span class=\"_ _0\"></span>n or wa<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ant<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>nal e<span class=\"_ _0\"></span>rro<span class=\"_ _0\"></span>rs o<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>ntrol i<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>r whe<span class=\"_ _0\"></span>re ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>d el<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia have not b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs892\">com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>h. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re a lo<span class=\"_ _0\"></span>an is p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase<span class=\"_ _0\"></span>d it i<span class=\"_ _0\"></span>s pres<span class=\"_ _0\"></span>ented wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t on th<span class=\"_ _0\"></span>e fac<span class=\"_ _0\"></span>e of the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs893\">con<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce s<span class=\"_ _0\"></span>heet a<span class=\"_ _0\"></span>nd h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs894\">In co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>on w<span class=\"_ _0\"></span>ith oth<span class=\"_ _0\"></span>er b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is i<span class=\"_ _0\"></span>nvolved fr<span class=\"_ _0\"></span>om ti<span class=\"_ _0\"></span>me to ti<span class=\"_ _0\"></span>me in d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>utes i<span class=\"_ _0\"></span>n the o<span class=\"_ _0\"></span>rdin<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>rse of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs895\">bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>re are n<span class=\"_ _0\"></span>o act<span class=\"_ _0\"></span>ive cas<span class=\"_ _0\"></span>es expe<span class=\"_ _0\"></span>cted to have a mater<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>dvers<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs896\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s relate<span class=\"_ _0\"></span>d to undr<span class=\"_ _0\"></span>awn am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts on is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>. At 31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs897\">the<span class=\"_ _0\"></span>re were u<span class=\"_ _0\"></span>ndr<span class=\"_ _0\"></span>awn co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>itm<span class=\"_ _0\"></span>ents of \u00a3278.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>157<span class=\"_ _5\"></span>.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on). An expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>nt </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs898\">al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce is h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p of \u00a32.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a31.4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) in re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on to th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs899\">cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up may b<span class=\"_ _0\"></span>e expos<span class=\"_ _0\"></span>ed to on t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e und<span class=\"_ _0\"></span>rawn l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-461": {
   "value": "27<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span> Contingent liabilit<span class=\"_ _1\"></span>ies and commit<span class=\"_ _1\"></span>ments<span class=\"_ _2d6\"> </span>As pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of th<span class=\"_ _0\"></span>e on<span class=\"_ _0\"></span>goi<span class=\"_ _0\"></span>ng b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>as op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>nal re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s with i<span class=\"_ _0\"></span>ts investo<span class=\"_ _0\"></span>rs. At a<span class=\"_ _0\"></span>ny poi<span class=\"_ _0\"></span>nt in ti<span class=\"_ _0\"></span>me, it is p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le th<span class=\"_ _0\"></span>at a par<span class=\"_ _2\"></span>ticul<span class=\"_ _0\"></span>ar i<span class=\"_ _0\"></span>nvestor may expe<span class=\"_ _0\"></span>ct th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up to pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r loa<span class=\"_ _0\"></span>n in t<span class=\"_ _0\"></span>he event of a bre<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>h of rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>ntatio<span class=\"_ _0\"></span>n or wa<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ant<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>nal e<span class=\"_ _0\"></span>rro<span class=\"_ _0\"></span>rs o<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>ntrol i<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>r whe<span class=\"_ _0\"></span>re ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>d el<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia have not b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>h. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re a lo<span class=\"_ _0\"></span>an is p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase<span class=\"_ _0\"></span>d it i<span class=\"_ _0\"></span>s pres<span class=\"_ _0\"></span>ented wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t on th<span class=\"_ _0\"></span>e fac<span class=\"_ _0\"></span>e of the con<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce s<span class=\"_ _0\"></span>heet a<span class=\"_ _0\"></span>nd h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9. In co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>on w<span class=\"_ _0\"></span>ith oth<span class=\"_ _0\"></span>er b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is i<span class=\"_ _0\"></span>nvolved fr<span class=\"_ _0\"></span>om ti<span class=\"_ _0\"></span>me to ti<span class=\"_ _0\"></span>me in d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>utes i<span class=\"_ _0\"></span>n the o<span class=\"_ _0\"></span>rdin<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>rse of bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>re are n<span class=\"_ _0\"></span>o act<span class=\"_ _0\"></span>ive cas<span class=\"_ _0\"></span>es expe<span class=\"_ _0\"></span>cted to have a mater<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>dvers<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s relate<span class=\"_ _0\"></span>d to undr<span class=\"_ _0\"></span>awn am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts on is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>. At 31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, the<span class=\"_ _0\"></span>re were u<span class=\"_ _0\"></span>ndr<span class=\"_ _0\"></span>awn co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>itm<span class=\"_ _0\"></span>ents of \u00a3278.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>157<span class=\"_ _5\"></span>.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on). An expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>nt al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce is h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p of \u00a32.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a31.4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) in re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on to th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up may b<span class=\"_ _0\"></span>e expos<span class=\"_ _0\"></span>ed to on t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e und<span class=\"_ _0\"></span>rawn l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-453": {
   "value": "27<span class=\"_ _5\"></span>.<span class=\"_ _1\"></span> Contingent liabilit<span class=\"_ _1\"></span>ies and commit<span class=\"_ _1\"></span>ments<span class=\"_ _2d6\"> </span>As pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t of th<span class=\"_ _0\"></span>e on<span class=\"_ _0\"></span>goi<span class=\"_ _0\"></span>ng b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>as op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>nal re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s with i<span class=\"_ _0\"></span>ts investo<span class=\"_ _0\"></span>rs. At a<span class=\"_ _0\"></span>ny poi<span class=\"_ _0\"></span>nt in ti<span class=\"_ _0\"></span>me, it is p<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>ib<span class=\"_ _0\"></span>le th<span class=\"_ _0\"></span>at a par<span class=\"_ _2\"></span>ticul<span class=\"_ _0\"></span>ar i<span class=\"_ _0\"></span>nvestor may expe<span class=\"_ _0\"></span>ct th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up to pu<span class=\"_ _0\"></span>rcha<span class=\"_ _0\"></span>se th<span class=\"_ _0\"></span>ei<span class=\"_ _0\"></span>r loa<span class=\"_ _0\"></span>n in t<span class=\"_ _0\"></span>he event of a bre<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>h of rep<span class=\"_ _0\"></span>rese<span class=\"_ _0\"></span>ntatio<span class=\"_ _0\"></span>n or wa<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>ant<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>nal e<span class=\"_ _0\"></span>rro<span class=\"_ _0\"></span>rs o<span class=\"_ _0\"></span>r co<span class=\"_ _0\"></span>ntrol i<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>r whe<span class=\"_ _0\"></span>re ag<span class=\"_ _0\"></span>ree<span class=\"_ _0\"></span>d el<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>bil<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y cr<span class=\"_ _0\"></span>iter<span class=\"_ _0\"></span>ia have not b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n com<span class=\"_ _0\"></span>pl<span class=\"_ _0\"></span>ie<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>h. W<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>re a lo<span class=\"_ _0\"></span>an is p<span class=\"_ _0\"></span>urc<span class=\"_ _0\"></span>hase<span class=\"_ _0\"></span>d it i<span class=\"_ _0\"></span>s pres<span class=\"_ _0\"></span>ented wi<span class=\"_ _0\"></span>thi<span class=\"_ _0\"></span>n S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s hel<span class=\"_ _0\"></span>d at am<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ise<span class=\"_ _0\"></span>d cos<span class=\"_ _0\"></span>t on th<span class=\"_ _0\"></span>e fac<span class=\"_ _0\"></span>e of the con<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>lid<span class=\"_ _0\"></span>ated ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce s<span class=\"_ _0\"></span>heet a<span class=\"_ _0\"></span>nd h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d at amo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>sed c<span class=\"_ _0\"></span>ost u<span class=\"_ _0\"></span>nde<span class=\"_ _0\"></span>r IFR<span class=\"_ _0\"></span>S 9. In co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>on w<span class=\"_ _0\"></span>ith oth<span class=\"_ _0\"></span>er b<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>s, the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is i<span class=\"_ _0\"></span>nvolved fr<span class=\"_ _0\"></span>om ti<span class=\"_ _0\"></span>me to ti<span class=\"_ _0\"></span>me in d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>utes i<span class=\"_ _0\"></span>n the o<span class=\"_ _0\"></span>rdin<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>rse of bus<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>. The<span class=\"_ _0\"></span>re are n<span class=\"_ _0\"></span>o act<span class=\"_ _0\"></span>ive cas<span class=\"_ _0\"></span>es expe<span class=\"_ _0\"></span>cted to have a mater<span class=\"_ _0\"></span>ial a<span class=\"_ _0\"></span>dvers<span class=\"_ _0\"></span>e f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ct o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p has c<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>mit<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s relate<span class=\"_ _0\"></span>d to undr<span class=\"_ _0\"></span>awn am<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>nts on is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>s of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>. At 31 Dec<span class=\"_ _0\"></span>emb<span class=\"_ _0\"></span>er 2024, the<span class=\"_ _0\"></span>re were u<span class=\"_ _0\"></span>ndr<span class=\"_ _0\"></span>awn co<span class=\"_ _0\"></span>mm<span class=\"_ _0\"></span>itm<span class=\"_ _0\"></span>ents of \u00a3278.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n (202<span class=\"_ _1\"></span>3: \u00a3<span class=\"_ _0\"></span>157<span class=\"_ _5\"></span>.3 mil<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>on). An expec<span class=\"_ _0\"></span>ted cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss i<span class=\"_ _0\"></span>mp<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>rme<span class=\"_ _0\"></span>nt al<span class=\"_ _0\"></span>lowan<span class=\"_ _0\"></span>ce is h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d wit<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>n othe<span class=\"_ _0\"></span>r provi<span class=\"_ _0\"></span>sio<span class=\"_ _0\"></span>ns by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p of \u00a32.7 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion (2023: \u00a31.4 mi<span class=\"_ _0\"></span>ll<span class=\"_ _0\"></span>ion) in re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>on to th<span class=\"_ _0\"></span>e esti<span class=\"_ _0\"></span>mated cre<span class=\"_ _0\"></span>dit l<span class=\"_ _0\"></span>oss<span class=\"_ _0\"></span>es th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up may b<span class=\"_ _0\"></span>e expos<span class=\"_ _0\"></span>ed to on t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e und<span class=\"_ _0\"></span>rawn l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-402": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls60 ws5a gs888\">28. Subs<span class=\"_ _0\"></span>equ<span class=\"_ _0\"></span>ent events<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs89b\">The<span class=\"_ _0\"></span>re have be<span class=\"_ _0\"></span>en no s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>eq<span class=\"_ _0\"></span>uent events s<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ce th<span class=\"_ _0\"></span>e ba<span class=\"_ _0\"></span>lan<span class=\"_ _0\"></span>ce s<span class=\"_ _0\"></span>heet d<span class=\"_ _0\"></span>ate.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-403": {
   "value": "<div class=\"t m0 h8 ff2 fs4 fc4 sc0 ls2 ws2 gs89d\">29. I<span class=\"_ _0\"></span>nter<span class=\"_ _0\"></span>est<span class=\"_ _0\"></span>s in ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>titi<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3d ws3e gs89e\">Inv<span class=\"_ _1\"></span>estments in sub<span class=\"_ _1\"></span>sidiar<span class=\"_ _0\"></span>ies<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs89f\">The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ha<span class=\"_ _0\"></span>d the fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies, a<span class=\"_ _0\"></span>ll of wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h have be<span class=\"_ _0\"></span>en in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed in t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8a0\">The p<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of the voti<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ights i<span class=\"_ _0\"></span>n sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>iar<span class=\"_ _2\"></span>y unde<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tak<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ngs h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y by the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pany do<span class=\"_ _0\"></span>es not d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fer fro<span class=\"_ _0\"></span>m the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs8a1\">proportion o<span class=\"_ _1\"></span>f ordin<span class=\"_ _1\"></span>ar<span class=\"_ _0\"></span>y shar<span class=\"_ _1\"></span>es held.<span class=\"_ _2d6\"> </span></div><div class=\"gs8a2\"><table class=\"s w5bb hdc\" id=\"_d4fecc5d-e6f8-410e-84b5-ec55b7f05cd5\"><tr><td></td><td class=\"t m0 xafa h35 y2b86 ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xafb h35 y2b87 ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on</td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xafc h35 y2b88 ff4 fs19 fc5 sc0 lsd0 wsc7\"> and principal<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xafd h35 y2b88 ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37f h35 y2b88 ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/</td><td></td></tr><tr><td></td><td class=\"t m0 xafe h35 y2b89 ff4 fs19 fc5 sc0 lsd0 wsc7\"> place of</td><td class=\"t m0 xaff h35 y2b89 ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb00 h35 y2b89 ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d h35 y2b8a ff4 fs19 fc5 sc0 lsd0 wsc7\">Subsidiary undertakings</td><td class=\"t m0 xad7 h35 y2b8a ff4 fs19 fc5 sc0 lsd9 wsd0\"> business<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb01 h35 y2b8a ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb02 y2b8b w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb03 y2b8b w5bd h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered<span class=\"_ _1\"></span> off<span class=\"_ _0\"></span>ice address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b52 w5be h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle L<span class=\"_ _1\"></span>td<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb04 y2b52 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb05 y2b52 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb06 y2b52 w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb07 y2b52 w5c2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n Vi<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b54 w5c3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle BB<span class=\"_ _1\"></span> Limited<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb08 y2b54 w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb09 y2b54 w5c5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0a y2b54 w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0b y2b54 w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ria S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>eet, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b56 w5c8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 wscc\">Fund<span class=\"_ _1\"></span>ing Circle E<span class=\"_ _1\"></span>clipse L<span class=\"_ _1\"></span>ending Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0c y2b56 w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0d y2b56 w5c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0e y2b56 w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0f y2b56 w5cb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b8c ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle F<span class=\"_ _1\"></span>ocal Poin<span class=\"_ _1\"></span>t Lending<span class=\"_ _1\"></span> </td><td class=\"c n xb10 y2b8d w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb11 y2b8d w5cc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb12 y2b8d w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb13 y2b8d w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ria S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>eet, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b8e ff4 fs6 fc5 sc0 lsd7 wsce\">Li<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>ite<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b5a w5cd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Globa<span class=\"_ _1\"></span>l Partners Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb14 y2b5a w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb15 y2b5a w5ce h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb16 y2b5a w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb17 y2b5a w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n Vi<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lon<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b5c w5cf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle T<span class=\"_ _5\"></span>rust<span class=\"_ _1\"></span>ee Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb18 y2b5c w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb19 y2b5c w5cc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1a y2b5c w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1b y2b5c w5d0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lon<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>n EC4V 4<span class=\"_ _0\"></span>A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b8f w5d1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ma<span class=\"_ _0\"></span>de T<span class=\"_ _1\"></span>o Do M<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>e Lim<span class=\"_ _0\"></span>ited<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1c y2b8f w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1d y2b8f w5d2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1e y2b8f w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1f y2b8f w5d3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Qu<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b90 w5d4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd6 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Hori<span class=\"_ _1\"></span>zon L<span class=\"_ _1\"></span>ending Limi<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb04 y2b90 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb05 y2b90 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb20 y2b90 w5d5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb21 y2b90 w5d3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b91 w5d6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle P<span class=\"_ _1\"></span>olaris Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb22 y2b91 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb23 y2b91 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb24 y2b91 w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb25 y2b91 w5cb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Lond<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b92 w5d7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle CE<span class=\"_ _1\"></span> GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb26 y2b92 w5d8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb27 y2b92 w5c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb28 y2b92 w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb29 y2b92 w5d9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Rhe<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>tra<span class=\"_ _0\"></span>\u00dfe 11, 1451<span class=\"_ _1\"></span>3 T<span class=\"_ _1\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b93 w5da h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Deu<span class=\"_ _1\"></span>tschland GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2a y2b93 w5db h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2b y2b93 w5cc h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2c y2b93 w5d5 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2d y2b93 w5dc h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Rhei<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ra\u00df<span class=\"_ _0\"></span>e 11, 1<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>513 T<span class=\"_ _5\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b94 w5dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Connec<span class=\"_ _1\"></span>t GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2e y2b94 w5db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2f y2b94 w5d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb30 y2b94 w5d5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb31 y2b94 w5de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">R<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ra\u00df<span class=\"_ _0\"></span>e 11, 1451<span class=\"_ _1\"></span>3 T<span class=\"_ _1\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b95 w5df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">FC<span class=\"_ _1\"></span> Forderungsmanagemen<span class=\"_ _1\"></span>t GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb32 y2b95 w5e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">Germany<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb33 y2b95 w5cc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb34 y2b95 w5c6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb35 y2b95 w5e1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Rhe<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>a\u00dfe 11, 14513 T<span class=\"_ _5\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b96 w5e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Ned<span class=\"_ _1\"></span>erland B.<span class=\"_ _1\"></span>V<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb36 y2b96 w5e3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls52 ws50\">Netherlands<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb37 y2b96 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb38 y2b96 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirec<span class=\"_ _1\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb39 y2b96 w5cb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Lond<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y2b97 ff5 fs6 fc5 sc0 lsd5 wscc\">Subsidiary undertakings disposed </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d ha y2b98 ff5 fs6 fc5 sc0 ls2 ws2\">of i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2b47 w5e4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle U<span class=\"_ _1\"></span>SA<span class=\"_ _0\"></span>, Inc.</div><div class=\"t m0 xb3a h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b47 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b47 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3c y2b47 w5c1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3d y2b47 w5e5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 17th St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b48 w5e6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e Notes Pr<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>, LLC</div><div class=\"t m0 xb3e h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b48 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b48 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b48 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b48 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b99 w5e8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC</div><div class=\"t m0 xb41 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b99 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b99 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b99 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b99 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b4a w5e9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle In<span class=\"_ _1\"></span>vest<span class=\"_ _1\"></span>or F<span class=\"_ _1\"></span>unds, L<span class=\"_ _1\"></span>LC</div><div class=\"t m0 xb42 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b4a w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b4a w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b4a w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b4a w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a1f w5ea h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC De<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sito<span class=\"_ _0\"></span>r US LLC</div><div class=\"t m0 xb43 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2a1f w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2a1f w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2a1f w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2a1f w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y29b1 w5eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal U<span class=\"_ _0\"></span>S II<span class=\"_ _0\"></span>I LLC</div><div class=\"t m0 xb44 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y29b1 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y29b1 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y29b1 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y29b1 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w5eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC SB<span class=\"_ _0\"></span>A Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g LLC</div><div class=\"t m0 xb44 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y27eb w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y27eb w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y27eb w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y27eb w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs8a3\">1. <span class=\"_ _1f\"> </span>Al<span class=\"_ _0\"></span>l US s<span class=\"_ _0\"></span>ub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es w<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>e di<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>f on 1 J<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>y 20<span class=\"_ _0\"></span>24.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 ls3d ws3e gs8a4\">Inv<span class=\"_ _1\"></span>estments in associa<span class=\"_ _1\"></span>tes<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8a5\">Set ou<span class=\"_ _0\"></span>t be<span class=\"_ _0\"></span>low a<span class=\"_ _0\"></span>re the a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p as at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024 which<span class=\"_ _0\"></span>, in th<span class=\"_ _0\"></span>e op<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>he Di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tors, a<span class=\"_ _0\"></span>re </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8a6\">materi<span class=\"_ _0\"></span>al to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up. Th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s lis<span class=\"_ _0\"></span>ted be<span class=\"_ _0\"></span>low have sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l con<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y of ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>, whi<span class=\"_ _0\"></span>ch ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8a7\">dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>y of in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>orat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>r reg<span class=\"_ _0\"></span>ist<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on is a<span class=\"_ _0\"></span>lso t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>ir pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pal p<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce of bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, an<span class=\"_ _0\"></span>d the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8a8\">pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p interest i<span class=\"_ _0\"></span>s the s<span class=\"_ _0\"></span>am<span class=\"_ _0\"></span>e as th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts he<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"gs8a9\"><table class=\"s w5ec hdd\" id=\"_3f8ae706-3269-4622-bbcd-6b31649a8abe\"><tr><td></td><td></td><td class=\"t m0 xafd h35 y2b9a ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37f h35 y2b9a ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xafa h35 y2b9b ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td class=\"t m0 xaff h35 y2b9b ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb00 h35 y2b9b ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d h35 y2b9c ff4 fs19 fc5 sc0 ls13c ws136\">Associate<span class=\"_ _1\"></span> entity name<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xafb h35 y2b9c ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb01 h35 y2b9c ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb02 y2b9d w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb03 y2b9d w5bd h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered<span class=\"_ _1\"></span> off<span class=\"_ _0\"></span>ice address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b9e ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e UK S<span class=\"_ _0\"></span>ME D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ect </td><td class=\"c n x415 y28fd w5ed h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Ireland<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb45 y28fd w5ee h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd6 wscd\">8%<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xb46 y28fd w5ef h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _3f\"> </span><span class=\"ls2 ws2\">70, Sir J<span class=\"_ _0\"></span>oh<span class=\"_ _0\"></span>n Ro<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>\u2019s Qu<span class=\"_ _0\"></span>ay<span class=\"_ _1\"></span>, Du<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>in 2, I<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></span></div></td></tr><tr><td class=\"t m0 x21d hd y2b9f ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Fund\u00b9<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs8aa\">1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Pr<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>te su<span class=\"_ _0\"></span>b-<span class=\"_ _0\"></span>fu<span class=\"_ _0\"></span>nd h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d v<span class=\"_ _0\"></span>ia t<span class=\"_ _0\"></span>he Fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g C<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e I<span class=\"_ _0\"></span>CAV<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>n Ir<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>sh c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ve as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>t-ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t ve<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>tu<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>n um<span class=\"_ _0\"></span>br<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>a fu<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>h re<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>ter<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ce a<span class=\"_ _0\"></span>dd<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ss </div><div class=\"t m0 h9 ff3 fs5 fc5 sc0 ls2 ws2 gs8ab\">of 70, S<span class=\"_ _0\"></span>ir J<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>hn R<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>\u2019s Q<span class=\"_ _0\"></span>uay, Du<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>n 2, I<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8ad\">The as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates outl<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed ab<span class=\"_ _0\"></span>ove dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y hol<span class=\"_ _0\"></span>d invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s as deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow<span class=\"_ _1\"></span>, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8ae\">to be rel<span class=\"_ _0\"></span>ated pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span></div><div class=\"gs8af\"><table class=\"s w5f0 hde\" id=\"_cdc29cb2-cd6a-4cff-b8b8-d695186fbb0a\"><tr><td></td><td></td><td></td><td class=\"t m0 xb47 h35 y2ba0 ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e6 h35 y2ba0 ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xb48 h35 y2ba1 ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td></td><td class=\"t m0 x7dc h35 y2ba1 ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x55e h35 y2ba1 ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x256 h35 y2ba2 ff4 fs19 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y na<span class=\"_ _0\"></span>me<span class=\"_ _2d6\"> </span></td><td class=\"c n xb49 y2ba3 w5f1 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4a y2ba3 w5f2 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">Relationship</div></td><td class=\"t m0 xb4b h35 y2ba2 ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb4c y2ba3 w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4d y2ba3 w5f3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered office address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ba4 ff4 fs6 fc5 sc0 ls2 ws2\">Thr<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ton Len<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng D<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ated </td><td class=\"c n xb4e y28fd w5ed h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Ireland<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4f y28fd w5f4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Subsidiary<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb50 y28fd w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb51 y28fd w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb52 y28fd w5f5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">70, Sir Jo<span class=\"_ _0\"></span>hn R<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>n\u2019s Q<span class=\"_ _0\"></span>uay<span class=\"_ _1\"></span>,<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ba5 ff4 fs6 fc5 sc0 lsfd wsf6\">Activity Company<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x99b hd y2ba5 ff4 fs6 fc5 sc0 ls2 ws2\">of ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iate</td><td></td><td></td><td class=\"t m0 xb53 hd y2ba5 ff4 fs6 fc5 sc0 ls15 ws14\"> Dublin 2<span class=\"_ _1\"></span>, Ireland<span class=\"_ _2d6\"> </span></td></tr></table></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8b0\">The t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>es b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow provi<span class=\"_ _0\"></span>de su<span class=\"_ _0\"></span>mma<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>sed f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l infor<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on for t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates that a<span class=\"_ _0\"></span>re mater<span class=\"_ _0\"></span>ial to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8b1\">The i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d refl<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>s the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts pre<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>nted in th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al st<span class=\"_ _0\"></span>atement<span class=\"_ _0\"></span>s of the re<span class=\"_ _0\"></span>levant a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates and </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8b2\">not Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Circ<span class=\"_ _0\"></span>le H<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ngs p<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>\u2019s s<span class=\"_ _0\"></span>hare of t<span class=\"_ _0\"></span>hose a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts<span class=\"_ _0\"></span>. They have b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n ame<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed to refl<span class=\"_ _0\"></span>ect a<span class=\"_ _0\"></span>dju<span class=\"_ _0\"></span>stm<span class=\"_ _0\"></span>ents m<span class=\"_ _0\"></span>ade </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8b3\">by the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y whe<span class=\"_ _0\"></span>n us<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d, in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>ng m<span class=\"_ _0\"></span>odi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s for dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s in a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>icy. Whil<span class=\"_ _0\"></span>e the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8b4\">Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds les<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>an 20% owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p in Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Circ<span class=\"_ _0\"></span>le U<span class=\"_ _0\"></span>K S<span class=\"_ _0\"></span>ME D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ct Lend<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Fund I, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ers t<span class=\"_ _0\"></span>hat it </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8b5\">has s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant inf<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce over th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>n its B<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>rd an<span class=\"_ _0\"></span>d so co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nue<span class=\"_ _0\"></span>s to acco<span class=\"_ _0\"></span>unt for i<span class=\"_ _0\"></span>t as an </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8b6\">ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate instea<span class=\"_ _0\"></span>d of a tra<span class=\"_ _0\"></span>de invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8b7\">The as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates are sub<span class=\"_ _0\"></span>-fu<span class=\"_ _0\"></span>nds w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h invest i<span class=\"_ _0\"></span>n SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oans<span class=\"_ _0\"></span>, and t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is expo<span class=\"_ _0\"></span>sed to defa<span class=\"_ _0\"></span>ult a<span class=\"_ _0\"></span>nd p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nt ris<span class=\"_ _0\"></span>k </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8b8\">wit<span class=\"_ _0\"></span>h resp<span class=\"_ _0\"></span>ect to th<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce of th<span class=\"_ _0\"></span>e und<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>lyi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates, to the ex<span class=\"_ _0\"></span>tent that t<span class=\"_ _0\"></span>he s<span class=\"_ _0\"></span>hare of p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t from </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8b9\">ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ates may di<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>ish<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e tab<span class=\"_ _0\"></span>le b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow ill<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>rates th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s maxi<span class=\"_ _0\"></span>mum exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to the invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iates </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8ba\">whi<span class=\"_ _0\"></span>ch re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>ue o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et. Th<span class=\"_ _0\"></span>e valu<span class=\"_ _0\"></span>e of th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ent is d<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ived fro<span class=\"_ _0\"></span>m net a<span class=\"_ _0\"></span>sset va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8bb\">statem<span class=\"_ _0\"></span>ents fro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e sub<span class=\"_ _0\"></span>-fu<span class=\"_ _0\"></span>nds; however, bein<span class=\"_ _0\"></span>g pr<span class=\"_ _0\"></span>ivate, thes<span class=\"_ _0\"></span>e are not f<span class=\"_ _0\"></span>rom o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e ma<span class=\"_ _0\"></span>rket data, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>erefore t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8bc\">fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be a<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gne<span class=\"_ _0\"></span>d to the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng val<span class=\"_ _0\"></span>ue.<span class=\"_ _2d6\"> </span></div><div class=\"gs8bd\"><table class=\"s w26f hdf\" id=\"_7323ed11-448d-4fc2-8065-a267f7909558\"><tr><td></td><td class=\"t m0 xb54 h38 y2ba6 ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2ba6 ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2ba7 ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2ba7 ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2ba8 ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb56 h35 y2ba8 ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h38 y2ba9 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2ba9 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2baa ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2baa ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h35 y2bab ff4 fs19 fc5 sc0 lsd0 wsc7\">Summarised balance<span class=\"_ _1\"></span> sheet (Group\u2019<span class=\"_ _1\"></span>s share<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h38 y2bab ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2bab ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2905 w5f6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53f y2906 w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb57 y2905 w169 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w5f7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt ass<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x26b y27e6 w1f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb58 y27e5 w327 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w5f8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Curren<span class=\"_ _1\"></span>t liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x406 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb59 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w5f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w5fa h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls9 ws8\">Net ass<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x559 y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5a y27eb wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs8be\">Reconciliat<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> associate<span class=\"_ _1\"></span>s\u2019 to<span class=\"_ _1\"></span>tal shareholders\u2019<span class=\"_ _1\"></span> equity to<span class=\"_ _1\"></span> carr<span class=\"_ _0\"></span>ying amoun<span class=\"_ _1\"></span>t in F<span class=\"_ _1\"></span>unding Circle<span class=\"_ _1\"></span> Holdings plc\u2019<span class=\"_ _1\"></span>s </div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs8bf\">consolida<span class=\"_ _1\"></span>ted financial<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ements<span class=\"_ _2d6\"> </span></div><div class=\"gs8c0\"><table class=\"s w5fb he0\" id=\"_f80c42d3-e3d7-40e6-8c2f-07fcc9d8b4a3\"><tr><td></td><td class=\"t m0 xb54 h38 y2bac ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2bac ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2bad ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2bad ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2bae ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb56 h35 y2bae ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h38 y2baf ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2baf ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2bb0 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2bb0 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2bb1 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2bb1 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a74 w5fc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Op<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g net as<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>s as at 1 Ja<span class=\"_ _0\"></span>nua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5b y2a75 w5fd h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls87 ws83\">18.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5c y2a74 w19e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a76 w115 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5d y2a77 w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5e y2a76 w14b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2973 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2974 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y2973 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2975 w5fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Other compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5f y2976 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2975 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2825 w5ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al re<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb60 y2826 w600 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb61 y2825 w601 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290c w602 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>vid<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ds pa<span class=\"_ _0\"></span>id i<span class=\"_ _0\"></span>n the ye<span class=\"_ _0\"></span>ar<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb62 y290d w46f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb63 y290c w603 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2906 w604 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Cl<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>ng n<span class=\"_ _0\"></span>et as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>ts as at 3<span class=\"_ _0\"></span>1 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb64 y2906 w7f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb65 y2905 w605 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b4a w606 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are i<span class=\"_ _0\"></span>n %<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb66 y2bb2 w607 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsb5 wsb1\">8.3%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb67 y2b4a w608 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">8.3%<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29e1 w609 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are of n<span class=\"_ _0\"></span>et ass<span class=\"_ _0\"></span>ets as at 31 D<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb68 y29e2 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb69 y29e1 wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e9 w60a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Accoun<span class=\"_ _1\"></span>ting policy<span class=\"_ _1\"></span> alignment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y27ea w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y27e9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w60b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Group\u2019s<span class=\"_ _1\"></span> c<span class=\"_ _0\"></span>arrying amount<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6a y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6b y27eb wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"gs845\"><table class=\"s w60c he1\" id=\"_580eec5a-0a13-4a70-a3ce-3b3375f492aa\"><tr><td></td><td class=\"t m0 xb6c h38 y2bb3 ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6d h35 y2bb3 ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb6c h38 y2bb4 ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6e h35 y2bb4 ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb6c h38 y2bb5 ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6e h35 y2bb5 ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x539 h38 y2bb6 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2bb6 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2bb7 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2bb7 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2bb8 ff4 fs19 fc5 sc0 lsd1 wsc8\">Summarised st<span class=\"_ _1\"></span>atement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> (Group\u2019s<span class=\"_ _1\"></span> share)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h38 y2bb8 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2bb8 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2916 w60d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Gross<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6f y2964 w60e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb70 y2916 w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2966 w115 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y2965 w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb71 y2966 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2bb9 w5fe h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Other compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5f y2bba w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2bb9 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2969 w60f h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal compreh<span class=\"_ _1\"></span>ensive inc<span class=\"_ _1\"></span>ome<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y2969 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb72 y2968 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282f w610 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls1e ws26\">Dividends received<span class=\"_ _1\"></span> from associates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y282f w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb71 y2830 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w611 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">Capital red<span class=\"_ _1\"></span>emptions receiv<span class=\"_ _1\"></span>ed from<span class=\"_ _1\"></span> associates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb73 y27ec w31 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb74 y27eb w612 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table></div><div class=\"t m0 h8 ff6 fs4 fc5 sc0 lsa ws9 gs8c2\">Int<span class=\"_ _1\"></span>erest in o<span class=\"_ _1\"></span>ther ent<span class=\"_ _1\"></span>ities<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8c3\">St<span class=\"_ _0\"></span>icht<span class=\"_ _0\"></span>ing D<span class=\"_ _0\"></span>erd<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>lde<span class=\"_ _0\"></span>n Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le is n<span class=\"_ _0\"></span>ot a di<span class=\"_ _0\"></span>rect o<span class=\"_ _0\"></span>r in<span class=\"_ _0\"></span>dire<span class=\"_ _0\"></span>ct su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y of Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le H<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>gs p<span class=\"_ _0\"></span>lc b<span class=\"_ _0\"></span>ut is a<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsd wsc gs8c4\">independent<span class=\"_ _1\"></span> special purpose f<span class=\"_ _1\"></span>oundation<span class=\"_ _1\"></span> which is r<span class=\"_ _1\"></span>equired in t<span class=\"_ _1\"></span>he Netherlands<span class=\"_ _1\"></span> to sa<span class=\"_ _1\"></span>feguard<span class=\"_ _1\"></span> borrower<span class=\"_ _1\"></span> and inv<span class=\"_ _1\"></span>estor<span class=\"_ _1\"></span> funds </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8c5\">and i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated as it i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The re<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>stered of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e add<span class=\"_ _0\"></span>ress i<span class=\"_ _0\"></span>s Atri<span class=\"_ _0\"></span>um, S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>awins<span class=\"_ _0\"></span>k<span class=\"_ _0\"></span>yl<span class=\"_ _0\"></span>aan 3<span class=\"_ _0\"></span>075, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8c6\">4th Flo<span class=\"_ _0\"></span>or<span class=\"_ _1\"></span>, 107<span class=\"_ _0\"></span>7 Z<span class=\"_ _0\"></span>X Am<span class=\"_ _0\"></span>sterda<span class=\"_ _0\"></span>m.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8c7\">The Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e Ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s Emp<span class=\"_ _0\"></span>loyee B<span class=\"_ _0\"></span>enef<span class=\"_ _0\"></span>it T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>ust was e<span class=\"_ _0\"></span>stab<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n 14 Septemb<span class=\"_ _0\"></span>er 2018<span class=\"_ _0\"></span>. The p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>e of the t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8c8\">is to faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>tate the a<span class=\"_ _0\"></span>cqu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny by<span class=\"_ _5\"></span>, o<span class=\"_ _0\"></span>r for th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>it of, existin<span class=\"_ _0\"></span>g and f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re emp<span class=\"_ _0\"></span>loye<span class=\"_ _0\"></span>es of the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8c9\">Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny and G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d is co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated as it i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8ca\">Co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>d enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s: Sma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss O<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n Loan T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>ust 2019<span class=\"_ _0\"></span>-3 DAC, Great T<span class=\"_ _1\"></span>ri<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>y Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g 1 DAC, </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8cb\">Sma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t 2019<span class=\"_ _0\"></span>-A, S<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s Lend<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Gr<span class=\"_ _0\"></span>antor T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>st 2019<span class=\"_ _0\"></span>-A<span class=\"_ _0\"></span>, Sm<span class=\"_ _0\"></span>all B<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8cc\">2020-A a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s Lend<span class=\"_ _0\"></span>ing G<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ntor T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t 2020-<span class=\"_ _0\"></span>A were co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated st<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>cture<span class=\"_ _0\"></span>d ware<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>use a<span class=\"_ _0\"></span>nd se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8cd\">enti<span class=\"_ _0\"></span>ties w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch ei<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r ho<span class=\"_ _0\"></span>ld S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>ets in a wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e or h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d the p<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>fol<span class=\"_ _0\"></span>io of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ds af<span class=\"_ _0\"></span>ter </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 lsa ws9 gs8ce\">securiti<span class=\"_ _1\"></span>sation h<span class=\"_ _1\"></span>as occurr<span class=\"_ _1\"></span>ed. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8cf\">Kan<span class=\"_ _0\"></span>alo<span class=\"_ _0\"></span>a 2 Li<span class=\"_ _0\"></span>mited (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>K<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>\u201d) is a c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated UK l<span class=\"_ _0\"></span>everag<span class=\"_ _0\"></span>ed S<span class=\"_ _0\"></span>PV wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e that h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en s<span class=\"_ _0\"></span>et up wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e intenti<span class=\"_ _0\"></span>on of </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8d0\">fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e use of a s<span class=\"_ _0\"></span>eni<span class=\"_ _0\"></span>or l<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g fac<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty. </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8d1\">The e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re, or were, b<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>uptcy rem<span class=\"_ _0\"></span>ote spe<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l pu<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>ose veh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>les a<span class=\"_ _0\"></span>nd as s<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>h the<span class=\"_ _0\"></span>re is no re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt for the </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8d2\">Gro<span class=\"_ _0\"></span>up to provi<span class=\"_ _0\"></span>de f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t to the e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>\u2019 act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are not g<span class=\"_ _0\"></span>overn<span class=\"_ _0\"></span>ed by votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8d3\">Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ed t<span class=\"_ _0\"></span>hat it ha<span class=\"_ _0\"></span>s power over t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e pur<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se an<span class=\"_ _0\"></span>d des<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n of the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8d4\">dire<span class=\"_ _0\"></span>ct th<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>evant ac<span class=\"_ _0\"></span>tivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s of the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e nature of t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>hip w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d the s<span class=\"_ _0\"></span>ize of its expos<span class=\"_ _0\"></span>ure to </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8d5\">the va<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e retur<span class=\"_ _0\"></span>ns fro<span class=\"_ _0\"></span>m eac<span class=\"_ _0\"></span>h ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8d7\">As exp<span class=\"_ _0\"></span>lai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d in note 16, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up exp<span class=\"_ _0\"></span>eri<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ces c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ri<span class=\"_ _0\"></span>sk i<span class=\"_ _0\"></span>n relat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n to the SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8d8\">net of ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs, a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate risk i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the wa<span class=\"_ _0\"></span>reho<span class=\"_ _0\"></span>use l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n fac<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s whi<span class=\"_ _0\"></span>ch is p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly m<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>gated </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8d9\">thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the u<span class=\"_ _0\"></span>se of de<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>vative fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8da\">The p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s mo<span class=\"_ _0\"></span>st si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ngs a<span class=\"_ _0\"></span>re set o<span class=\"_ _0\"></span>ut b<span class=\"_ _0\"></span>elow. Thes<span class=\"_ _0\"></span>e are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red </div><div class=\"t m0 h7 ff4 fs4 fc5 sc0 ls2 ws2 gs8db\">sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cant i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e context of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s, resu<span class=\"_ _0\"></span>lts a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on.<span class=\"_ _2d6\"> </span></div><div class=\"gs8dc\"><table class=\"s w613 he2\" id=\"_a3bd563d-ae28-4472-b265-02878c86d3f9\"><tr><td class=\"c n x1c5 y2bbb w614 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Subsidiary undertakings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb75 y2bbb w615 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Principal activity<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2bbc w5be h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle L<span class=\"_ _1\"></span>td<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb76 y2bbc w616 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Acts a<span class=\"_ _0\"></span>s fac<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>itato<span class=\"_ _0\"></span>r and p<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>forms i<span class=\"_ _0\"></span>nterm<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces i<span class=\"_ _0\"></span>n res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of al<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s mad<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bbd ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>K an<span class=\"_ _0\"></span>d Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2bbe w617 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle U<span class=\"_ _1\"></span>SA<span class=\"_ _0\"></span>, Inc.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb78 y2bbe w618 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Th<span class=\"_ _0\"></span>e US op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y of Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le. A<span class=\"_ _0\"></span>cts as t<span class=\"_ _0\"></span>he a<span class=\"_ _0\"></span>dmi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>ator of th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bbf ff4 fs6 fc5 sc0 ls2 ws2\">pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>S. T<span class=\"_ _0\"></span>his wa<span class=\"_ _0\"></span>s dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>f on 1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2bc0 w619 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb79 y2bc0 w61a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">A<span class=\"_ _0\"></span>cts as o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nator a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er of al<span class=\"_ _0\"></span>l l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s mad<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh t<span class=\"_ _0\"></span>he Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>form i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e US.<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc1 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC se<span class=\"_ _0\"></span>lls e<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>h lo<span class=\"_ _0\"></span>an i<span class=\"_ _0\"></span>t or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nates<span class=\"_ _0\"></span>, on a s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ng ret<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d bas<span class=\"_ _0\"></span>is, to th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc2 ff4 fs6 fc5 sc0 ls2 ws2\">ins<span class=\"_ _0\"></span>tit<span class=\"_ _0\"></span>uti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nvestors o<span class=\"_ _0\"></span>r to af<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ates (e.g. Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e No<span class=\"_ _0\"></span>tes Prog<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>m, LLC) on an a<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>\u2019s </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc3 ff4 fs6 fc5 sc0 ls2 ws2\">le<span class=\"_ _0\"></span>ngt<span class=\"_ _0\"></span>h bas<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>. Thi<span class=\"_ _0\"></span>s was d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d of o<span class=\"_ _0\"></span>n 1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bc4 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle e<span class=\"_ _1\"></span>xecs<span class=\"_ _1\"></span> </td><td class=\"t m0 xb77 hd y2bc4 ff4 fs6 fc5 sc0 ls2 ws2\">A sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ial p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se b<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>uptcy re<span class=\"_ _0\"></span>mote ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>s lo<span class=\"_ _0\"></span>an pay<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt dep<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>nt debt </td></tr><tr><td class=\"t m0 x256 hd y2bc5 ff4 fs6 fc5 sc0 ls17 ws16\">Program,<span class=\"_ _1\"></span> LLC<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bc5 ff4 fs6 fc5 sc0 ls2 ws2\">se<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ies to a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>ted i<span class=\"_ _0\"></span>nvestor<span class=\"_ _0\"></span>s. It u<span class=\"_ _0\"></span>ses t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>ds to pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase a s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c co<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc6 ff4 fs6 fc5 sc0 ls2 ws2\">lo<span class=\"_ _0\"></span>an ma<span class=\"_ _0\"></span>de t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the Fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m fro<span class=\"_ _0\"></span>m FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, L<span class=\"_ _0\"></span>LC. The ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y reta<span class=\"_ _0\"></span>ins </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc7 ff4 fs6 fc5 sc0 ls2 ws2\">the c<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l ri<span class=\"_ _0\"></span>ght<span class=\"_ _0\"></span>s to rece<span class=\"_ _0\"></span>ive th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets it h<span class=\"_ _0\"></span>as pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d, bu<span class=\"_ _0\"></span>t ha<span class=\"_ _0\"></span>s </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc8 ff4 fs6 fc5 sc0 ls2 ws2\">ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ed a c<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>tua<span class=\"_ _0\"></span>l ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>on to pay t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows to th<span class=\"_ _0\"></span>e ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s of the d<span class=\"_ _0\"></span>ebt se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>es. </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc9 ff4 fs6 fc5 sc0 ls2 ws2\">The e<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a have be<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>et to der<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>e the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bca ff4 fs6 fc5 sc0 ls2 ws2\">debt s<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es as a p<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>s-th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh a<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 9. T<span class=\"_ _0\"></span>his w<span class=\"_ _0\"></span>as dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d of on </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bcb ff4 fs6 fc5 sc0 ls2 ws2\">1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bcc ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e Foc<span class=\"_ _0\"></span>al Po<span class=\"_ _0\"></span>int </td><td class=\"t m0 xb77 hd y2bcc ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nate<span class=\"_ _0\"></span>d and w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l ti<span class=\"_ _0\"></span>tle to l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are </td></tr><tr><td class=\"t m0 x256 hd y2bcd ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bcd ff4 fs6 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld vi<span class=\"_ _0\"></span>a tr<span class=\"_ _0\"></span>ust s<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>ures fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ial ow<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l inves<span class=\"_ _0\"></span>tors<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bce ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle E<span class=\"_ _1\"></span>clipse </td><td class=\"t m0 xb77 hd y2bce ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch R<span class=\"_ _0\"></span>LS l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l ti<span class=\"_ _0\"></span>tle to l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are </td></tr><tr><td class=\"t m0 x256 hd y2bcf ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bcf ff4 fs6 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld vi<span class=\"_ _0\"></span>a tr<span class=\"_ _0\"></span>ust s<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>ures fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ial ow<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l inves<span class=\"_ _0\"></span>tors<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle P<span class=\"_ _1\"></span>olaris </td><td class=\"t m0 xb77 hd y2bd0 ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch R<span class=\"_ _0\"></span>LS a<span class=\"_ _0\"></span>nd G<span class=\"_ _0\"></span>GS l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>s le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l tit<span class=\"_ _0\"></span>le to l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s </td></tr><tr><td class=\"t m0 x256 hd y2bd1 ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bd1 ff4 fs6 fc5 sc0 ls2 ws2\">whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld v<span class=\"_ _0\"></span>ia t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>t str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>s for th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of in<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>tuti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nvestor<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Deu<span class=\"_ _1\"></span>tschland </td><td class=\"t m0 xb77 hd y2bd2 ff4 fs6 fc5 sc0 ls2 ws2\">Op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n Ge<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>any an<span class=\"_ _0\"></span>d se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd3 ff4 fs6 fc5 sc0 ls7e ws7a\">GmbH<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"c n x1c5 y27eb w5e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Ned<span class=\"_ _1\"></span>erland B.<span class=\"_ _1\"></span>V<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb7a y27eb w61b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">O<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>ing C<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the N<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nds a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>.</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-466": {
   "value": "29. I<span class=\"_ _0\"></span>nter<span class=\"_ _0\"></span>est<span class=\"_ _0\"></span>s in ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>titi<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span>Inv<span class=\"_ _1\"></span>estments in sub<span class=\"_ _1\"></span>sidiar<span class=\"_ _0\"></span>ies<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ha<span class=\"_ _0\"></span>d the fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies, a<span class=\"_ _0\"></span>ll of wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h have be<span class=\"_ _0\"></span>en in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed in t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts. The p<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of the voti<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ights i<span class=\"_ _0\"></span>n sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>iar<span class=\"_ _2\"></span>y unde<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tak<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ngs h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y by the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pany do<span class=\"_ _0\"></span>es not d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fer fro<span class=\"_ _0\"></span>m the proportion o<span class=\"_ _1\"></span>f ordin<span class=\"_ _1\"></span>ar<span class=\"_ _0\"></span>y shar<span class=\"_ _1\"></span>es held.<span class=\"_ _2d6\"> </span><table class=\"s w5bb hdc\" id=\"_d4fecc5d-e6f8-410e-84b5-ec55b7f05cd5\"><tr><td></td><td class=\"t m0 xafa h35 y2b86 ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xafb h35 y2b87 ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on</td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xafc h35 y2b88 ff4 fs19 fc5 sc0 lsd0 wsc7\"> and principal<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xafd h35 y2b88 ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37f h35 y2b88 ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/</td><td></td></tr><tr><td></td><td class=\"t m0 xafe h35 y2b89 ff4 fs19 fc5 sc0 lsd0 wsc7\"> place of</td><td class=\"t m0 xaff h35 y2b89 ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb00 h35 y2b89 ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d h35 y2b8a ff4 fs19 fc5 sc0 lsd0 wsc7\">Subsidiary undertakings</td><td class=\"t m0 xad7 h35 y2b8a ff4 fs19 fc5 sc0 lsd9 wsd0\"> business<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb01 h35 y2b8a ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb02 y2b8b w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb03 y2b8b w5bd h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered<span class=\"_ _1\"></span> off<span class=\"_ _0\"></span>ice address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b52 w5be h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle L<span class=\"_ _1\"></span>td<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb04 y2b52 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb05 y2b52 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb06 y2b52 w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb07 y2b52 w5c2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n Vi<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b54 w5c3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle BB<span class=\"_ _1\"></span> Limited<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb08 y2b54 w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb09 y2b54 w5c5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0a y2b54 w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0b y2b54 w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ria S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>eet, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b56 w5c8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 wscc\">Fund<span class=\"_ _1\"></span>ing Circle E<span class=\"_ _1\"></span>clipse L<span class=\"_ _1\"></span>ending Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0c y2b56 w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0d y2b56 w5c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0e y2b56 w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0f y2b56 w5cb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b8c ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle F<span class=\"_ _1\"></span>ocal Poin<span class=\"_ _1\"></span>t Lending<span class=\"_ _1\"></span> </td><td class=\"c n xb10 y2b8d w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb11 y2b8d w5cc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb12 y2b8d w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb13 y2b8d w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ria S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>eet, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b8e ff4 fs6 fc5 sc0 lsd7 wsce\">Li<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>ite<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b5a w5cd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Globa<span class=\"_ _1\"></span>l Partners Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb14 y2b5a w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb15 y2b5a w5ce h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb16 y2b5a w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb17 y2b5a w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n Vi<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lon<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b5c w5cf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle T<span class=\"_ _5\"></span>rust<span class=\"_ _1\"></span>ee Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb18 y2b5c w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb19 y2b5c w5cc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1a y2b5c w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1b y2b5c w5d0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lon<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>n EC4V 4<span class=\"_ _0\"></span>A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b8f w5d1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ma<span class=\"_ _0\"></span>de T<span class=\"_ _1\"></span>o Do M<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>e Lim<span class=\"_ _0\"></span>ited<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1c y2b8f w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1d y2b8f w5d2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1e y2b8f w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1f y2b8f w5d3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Qu<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b90 w5d4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd6 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Hori<span class=\"_ _1\"></span>zon L<span class=\"_ _1\"></span>ending Limi<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb04 y2b90 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb05 y2b90 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb20 y2b90 w5d5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb21 y2b90 w5d3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b91 w5d6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle P<span class=\"_ _1\"></span>olaris Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb22 y2b91 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb23 y2b91 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb24 y2b91 w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb25 y2b91 w5cb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Lond<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b92 w5d7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle CE<span class=\"_ _1\"></span> GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb26 y2b92 w5d8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb27 y2b92 w5c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb28 y2b92 w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb29 y2b92 w5d9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Rhe<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>tra<span class=\"_ _0\"></span>\u00dfe 11, 1451<span class=\"_ _1\"></span>3 T<span class=\"_ _1\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b93 w5da h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Deu<span class=\"_ _1\"></span>tschland GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2a y2b93 w5db h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2b y2b93 w5cc h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2c y2b93 w5d5 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2d y2b93 w5dc h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Rhei<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ra\u00df<span class=\"_ _0\"></span>e 11, 1<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>513 T<span class=\"_ _5\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b94 w5dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Connec<span class=\"_ _1\"></span>t GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2e y2b94 w5db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2f y2b94 w5d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb30 y2b94 w5d5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb31 y2b94 w5de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">R<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ra\u00df<span class=\"_ _0\"></span>e 11, 1451<span class=\"_ _1\"></span>3 T<span class=\"_ _1\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b95 w5df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">FC<span class=\"_ _1\"></span> Forderungsmanagemen<span class=\"_ _1\"></span>t GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb32 y2b95 w5e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">Germany<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb33 y2b95 w5cc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb34 y2b95 w5c6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb35 y2b95 w5e1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Rhe<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>a\u00dfe 11, 14513 T<span class=\"_ _5\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b96 w5e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Ned<span class=\"_ _1\"></span>erland B.<span class=\"_ _1\"></span>V<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb36 y2b96 w5e3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls52 ws50\">Netherlands<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb37 y2b96 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb38 y2b96 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirec<span class=\"_ _1\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb39 y2b96 w5cb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Lond<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y2b97 ff5 fs6 fc5 sc0 lsd5 wscc\">Subsidiary undertakings disposed </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d ha y2b98 ff5 fs6 fc5 sc0 ls2 ws2\">of i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2b47 w5e4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle U<span class=\"_ _1\"></span>SA<span class=\"_ _0\"></span>, Inc.</div><div class=\"t m0 xb3a h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b47 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b47 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3c y2b47 w5c1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3d y2b47 w5e5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 17th St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b48 w5e6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e Notes Pr<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>, LLC</div><div class=\"t m0 xb3e h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b48 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b48 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b48 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b48 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b99 w5e8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC</div><div class=\"t m0 xb41 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b99 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b99 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b99 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b99 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b4a w5e9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle In<span class=\"_ _1\"></span>vest<span class=\"_ _1\"></span>or F<span class=\"_ _1\"></span>unds, L<span class=\"_ _1\"></span>LC</div><div class=\"t m0 xb42 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b4a w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b4a w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b4a w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b4a w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a1f w5ea h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC De<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sito<span class=\"_ _0\"></span>r US LLC</div><div class=\"t m0 xb43 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2a1f w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2a1f w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2a1f w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2a1f w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y29b1 w5eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal U<span class=\"_ _0\"></span>S II<span class=\"_ _0\"></span>I LLC</div><div class=\"t m0 xb44 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y29b1 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y29b1 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y29b1 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y29b1 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w5eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC SB<span class=\"_ _0\"></span>A Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g LLC</div><div class=\"t m0 xb44 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y27eb w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y27eb w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y27eb w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y27eb w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span>Al<span class=\"_ _0\"></span>l US s<span class=\"_ _0\"></span>ub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es w<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>e di<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>f on 1 J<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>y 20<span class=\"_ _0\"></span>24.<span class=\"_ _2d6\"> </span>Inv<span class=\"_ _1\"></span>estments in associa<span class=\"_ _1\"></span>tes<span class=\"_ _2d6\"> </span>Set ou<span class=\"_ _0\"></span>t be<span class=\"_ _0\"></span>low a<span class=\"_ _0\"></span>re the a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p as at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024 which<span class=\"_ _0\"></span>, in th<span class=\"_ _0\"></span>e op<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>he Di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tors, a<span class=\"_ _0\"></span>re materi<span class=\"_ _0\"></span>al to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up. Th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s lis<span class=\"_ _0\"></span>ted be<span class=\"_ _0\"></span>low have sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l con<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y of ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>, whi<span class=\"_ _0\"></span>ch ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>y of in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>orat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>r reg<span class=\"_ _0\"></span>ist<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on is a<span class=\"_ _0\"></span>lso t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>ir pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pal p<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce of bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, an<span class=\"_ _0\"></span>d the pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p interest i<span class=\"_ _0\"></span>s the s<span class=\"_ _0\"></span>am<span class=\"_ _0\"></span>e as th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts he<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span><table class=\"s w5ec hdd\" id=\"_3f8ae706-3269-4622-bbcd-6b31649a8abe\"><tr><td></td><td></td><td class=\"t m0 xafd h35 y2b9a ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37f h35 y2b9a ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xafa h35 y2b9b ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td class=\"t m0 xaff h35 y2b9b ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb00 h35 y2b9b ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d h35 y2b9c ff4 fs19 fc5 sc0 ls13c ws136\">Associate<span class=\"_ _1\"></span> entity name<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xafb h35 y2b9c ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb01 h35 y2b9c ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb02 y2b9d w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb03 y2b9d w5bd h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered<span class=\"_ _1\"></span> off<span class=\"_ _0\"></span>ice address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b9e ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e UK S<span class=\"_ _0\"></span>ME D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ect </td><td class=\"c n x415 y28fd w5ed h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Ireland<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb45 y28fd w5ee h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd6 wscd\">8%<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xb46 y28fd w5ef h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _3f\"> </span><span class=\"ls2 ws2\">70, Sir J<span class=\"_ _0\"></span>oh<span class=\"_ _0\"></span>n Ro<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>\u2019s Qu<span class=\"_ _0\"></span>ay<span class=\"_ _1\"></span>, Du<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>in 2, I<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></span></div></td></tr><tr><td class=\"t m0 x21d hd y2b9f ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Fund\u00b9<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr></table>1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Pr<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>te su<span class=\"_ _0\"></span>b-<span class=\"_ _0\"></span>fu<span class=\"_ _0\"></span>nd h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d v<span class=\"_ _0\"></span>ia t<span class=\"_ _0\"></span>he Fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g C<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e I<span class=\"_ _0\"></span>CAV<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>n Ir<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>sh c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ve as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>t-ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t ve<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>tu<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>n um<span class=\"_ _0\"></span>br<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>a fu<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>h re<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>ter<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ce a<span class=\"_ _0\"></span>dd<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ss of 70, S<span class=\"_ _0\"></span>ir J<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>hn R<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>\u2019s Q<span class=\"_ _0\"></span>uay, Du<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>n 2, I<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates outl<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed ab<span class=\"_ _0\"></span>ove dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y hol<span class=\"_ _0\"></span>d invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s as deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow<span class=\"_ _1\"></span>, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to be rel<span class=\"_ _0\"></span>ated pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span><table class=\"s w5f0 hde\" id=\"_cdc29cb2-cd6a-4cff-b8b8-d695186fbb0a\"><tr><td></td><td></td><td></td><td class=\"t m0 xb47 h35 y2ba0 ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e6 h35 y2ba0 ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xb48 h35 y2ba1 ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td></td><td class=\"t m0 x7dc h35 y2ba1 ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x55e h35 y2ba1 ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x256 h35 y2ba2 ff4 fs19 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y na<span class=\"_ _0\"></span>me<span class=\"_ _2d6\"> </span></td><td class=\"c n xb49 y2ba3 w5f1 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4a y2ba3 w5f2 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">Relationship</div></td><td class=\"t m0 xb4b h35 y2ba2 ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb4c y2ba3 w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4d y2ba3 w5f3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered office address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ba4 ff4 fs6 fc5 sc0 ls2 ws2\">Thr<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ton Len<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng D<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ated </td><td class=\"c n xb4e y28fd w5ed h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Ireland<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4f y28fd w5f4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Subsidiary<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb50 y28fd w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb51 y28fd w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb52 y28fd w5f5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">70, Sir Jo<span class=\"_ _0\"></span>hn R<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>n\u2019s Q<span class=\"_ _0\"></span>uay<span class=\"_ _1\"></span>,<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ba5 ff4 fs6 fc5 sc0 lsfd wsf6\">Activity Company<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x99b hd y2ba5 ff4 fs6 fc5 sc0 ls2 ws2\">of ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iate</td><td></td><td></td><td class=\"t m0 xb53 hd y2ba5 ff4 fs6 fc5 sc0 ls15 ws14\"> Dublin 2<span class=\"_ _1\"></span>, Ireland<span class=\"_ _2d6\"> </span></td></tr></table>The t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>es b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow provi<span class=\"_ _0\"></span>de su<span class=\"_ _0\"></span>mma<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>sed f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l infor<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on for t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates that a<span class=\"_ _0\"></span>re mater<span class=\"_ _0\"></span>ial to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up. The i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d refl<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>s the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts pre<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>nted in th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al st<span class=\"_ _0\"></span>atement<span class=\"_ _0\"></span>s of the re<span class=\"_ _0\"></span>levant a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates and not Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Circ<span class=\"_ _0\"></span>le H<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ngs p<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>\u2019s s<span class=\"_ _0\"></span>hare of t<span class=\"_ _0\"></span>hose a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts<span class=\"_ _0\"></span>. They have b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n ame<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed to refl<span class=\"_ _0\"></span>ect a<span class=\"_ _0\"></span>dju<span class=\"_ _0\"></span>stm<span class=\"_ _0\"></span>ents m<span class=\"_ _0\"></span>ade by the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y whe<span class=\"_ _0\"></span>n us<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d, in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>ng m<span class=\"_ _0\"></span>odi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s for dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s in a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>icy. Whil<span class=\"_ _0\"></span>e the Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds les<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>an 20% owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p in Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Circ<span class=\"_ _0\"></span>le U<span class=\"_ _0\"></span>K S<span class=\"_ _0\"></span>ME D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ct Lend<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Fund I, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ers t<span class=\"_ _0\"></span>hat it has s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant inf<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce over th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>n its B<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>rd an<span class=\"_ _0\"></span>d so co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nue<span class=\"_ _0\"></span>s to acco<span class=\"_ _0\"></span>unt for i<span class=\"_ _0\"></span>t as an ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate instea<span class=\"_ _0\"></span>d of a tra<span class=\"_ _0\"></span>de invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>The as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates are sub<span class=\"_ _0\"></span>-fu<span class=\"_ _0\"></span>nds w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h invest i<span class=\"_ _0\"></span>n SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oans<span class=\"_ _0\"></span>, and t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is expo<span class=\"_ _0\"></span>sed to defa<span class=\"_ _0\"></span>ult a<span class=\"_ _0\"></span>nd p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nt ris<span class=\"_ _0\"></span>k wit<span class=\"_ _0\"></span>h resp<span class=\"_ _0\"></span>ect to th<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce of th<span class=\"_ _0\"></span>e und<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>lyi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates, to the ex<span class=\"_ _0\"></span>tent that t<span class=\"_ _0\"></span>he s<span class=\"_ _0\"></span>hare of p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t from ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ates may di<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>ish<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e tab<span class=\"_ _0\"></span>le b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow ill<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>rates th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s maxi<span class=\"_ _0\"></span>mum exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to the invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iates whi<span class=\"_ _0\"></span>ch re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>ue o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et. Th<span class=\"_ _0\"></span>e valu<span class=\"_ _0\"></span>e of th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ent is d<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ived fro<span class=\"_ _0\"></span>m net a<span class=\"_ _0\"></span>sset va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ents fro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e sub<span class=\"_ _0\"></span>-fu<span class=\"_ _0\"></span>nds; however, bein<span class=\"_ _0\"></span>g pr<span class=\"_ _0\"></span>ivate, thes<span class=\"_ _0\"></span>e are not f<span class=\"_ _0\"></span>rom o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e ma<span class=\"_ _0\"></span>rket data, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>erefore t<span class=\"_ _0\"></span>he fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be a<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gne<span class=\"_ _0\"></span>d to the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng val<span class=\"_ _0\"></span>ue.<span class=\"_ _2d6\"> </span><table class=\"s w26f hdf\" id=\"_7323ed11-448d-4fc2-8065-a267f7909558\"><tr><td></td><td class=\"t m0 xb54 h38 y2ba6 ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2ba6 ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2ba7 ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2ba7 ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2ba8 ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb56 h35 y2ba8 ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h38 y2ba9 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2ba9 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2baa ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2baa ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h35 y2bab ff4 fs19 fc5 sc0 lsd0 wsc7\">Summarised balance<span class=\"_ _1\"></span> sheet (Group\u2019<span class=\"_ _1\"></span>s share<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h38 y2bab ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2bab ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2905 w5f6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53f y2906 w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb57 y2905 w169 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w5f7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt ass<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x26b y27e6 w1f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb58 y27e5 w327 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w5f8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Curren<span class=\"_ _1\"></span>t liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x406 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb59 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w5f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w5fa h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls9 ws8\">Net ass<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x559 y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5a y27eb wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr></table>Reconciliat<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> associate<span class=\"_ _1\"></span>s\u2019 to<span class=\"_ _1\"></span>tal shareholders\u2019<span class=\"_ _1\"></span> equity to<span class=\"_ _1\"></span> carr<span class=\"_ _0\"></span>ying amoun<span class=\"_ _1\"></span>t in F<span class=\"_ _1\"></span>unding Circle<span class=\"_ _1\"></span> Holdings plc\u2019<span class=\"_ _1\"></span>s consolida<span class=\"_ _1\"></span>ted financial<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ements<span class=\"_ _2d6\"> </span><table class=\"s w5fb he0\" id=\"_f80c42d3-e3d7-40e6-8c2f-07fcc9d8b4a3\"><tr><td></td><td class=\"t m0 xb54 h38 y2bac ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2bac ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2bad ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2bad ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2bae ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb56 h35 y2bae ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h38 y2baf ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2baf ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2bb0 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2bb0 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2bb1 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2bb1 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a74 w5fc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Op<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g net as<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>s as at 1 Ja<span class=\"_ _0\"></span>nua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5b y2a75 w5fd h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls87 ws83\">18.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5c y2a74 w19e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a76 w115 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5d y2a77 w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5e y2a76 w14b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2973 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2974 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y2973 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2975 w5fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Other compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5f y2976 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2975 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2825 w5ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al re<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb60 y2826 w600 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb61 y2825 w601 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290c w602 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>vid<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ds pa<span class=\"_ _0\"></span>id i<span class=\"_ _0\"></span>n the ye<span class=\"_ _0\"></span>ar<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb62 y290d w46f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb63 y290c w603 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2906 w604 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Cl<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>ng n<span class=\"_ _0\"></span>et as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>ts as at 3<span class=\"_ _0\"></span>1 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb64 y2906 w7f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb65 y2905 w605 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b4a w606 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are i<span class=\"_ _0\"></span>n %<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb66 y2bb2 w607 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsb5 wsb1\">8.3%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb67 y2b4a w608 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">8.3%<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29e1 w609 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are of n<span class=\"_ _0\"></span>et ass<span class=\"_ _0\"></span>ets as at 31 D<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb68 y29e2 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb69 y29e1 wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e9 w60a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Accoun<span class=\"_ _1\"></span>ting policy<span class=\"_ _1\"></span> alignment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y27ea w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y27e9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w60b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Group\u2019s<span class=\"_ _1\"></span> c<span class=\"_ _0\"></span>arrying amount<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6a y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6b y27eb wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w60c he1\" id=\"_580eec5a-0a13-4a70-a3ce-3b3375f492aa\"><tr><td></td><td class=\"t m0 xb6c h38 y2bb3 ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6d h35 y2bb3 ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb6c h38 y2bb4 ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6e h35 y2bb4 ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb6c h38 y2bb5 ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6e h35 y2bb5 ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x539 h38 y2bb6 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2bb6 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2bb7 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2bb7 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2bb8 ff4 fs19 fc5 sc0 lsd1 wsc8\">Summarised st<span class=\"_ _1\"></span>atement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> (Group\u2019s<span class=\"_ _1\"></span> share)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h38 y2bb8 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2bb8 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2916 w60d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Gross<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6f y2964 w60e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb70 y2916 w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2966 w115 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y2965 w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb71 y2966 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2bb9 w5fe h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Other compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5f y2bba w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2bb9 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2969 w60f h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal compreh<span class=\"_ _1\"></span>ensive inc<span class=\"_ _1\"></span>ome<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y2969 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb72 y2968 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282f w610 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls1e ws26\">Dividends received<span class=\"_ _1\"></span> from associates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y282f w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb71 y2830 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w611 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">Capital red<span class=\"_ _1\"></span>emptions receiv<span class=\"_ _1\"></span>ed from<span class=\"_ _1\"></span> associates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb73 y27ec w31 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb74 y27eb w612 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table>Int<span class=\"_ _1\"></span>erest in o<span class=\"_ _1\"></span>ther ent<span class=\"_ _1\"></span>ities<span class=\"_ _2d6\"> </span>St<span class=\"_ _0\"></span>icht<span class=\"_ _0\"></span>ing D<span class=\"_ _0\"></span>erd<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>lde<span class=\"_ _0\"></span>n Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le is n<span class=\"_ _0\"></span>ot a di<span class=\"_ _0\"></span>rect o<span class=\"_ _0\"></span>r in<span class=\"_ _0\"></span>dire<span class=\"_ _0\"></span>ct su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y of Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le H<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>gs p<span class=\"_ _0\"></span>lc b<span class=\"_ _0\"></span>ut is a<span class=\"_ _0\"></span>n independent<span class=\"_ _1\"></span> special purpose f<span class=\"_ _1\"></span>oundation<span class=\"_ _1\"></span> which is r<span class=\"_ _1\"></span>equired in t<span class=\"_ _1\"></span>he Netherlands<span class=\"_ _1\"></span> to sa<span class=\"_ _1\"></span>feguard<span class=\"_ _1\"></span> borrower<span class=\"_ _1\"></span> and inv<span class=\"_ _1\"></span>estor<span class=\"_ _1\"></span> funds and i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated as it i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The re<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>stered of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e add<span class=\"_ _0\"></span>ress i<span class=\"_ _0\"></span>s Atri<span class=\"_ _0\"></span>um, S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>awins<span class=\"_ _0\"></span>k<span class=\"_ _0\"></span>yl<span class=\"_ _0\"></span>aan 3<span class=\"_ _0\"></span>075, 4th Flo<span class=\"_ _0\"></span>or<span class=\"_ _1\"></span>, 107<span class=\"_ _0\"></span>7 Z<span class=\"_ _0\"></span>X Am<span class=\"_ _0\"></span>sterda<span class=\"_ _0\"></span>m.<span class=\"_ _2d6\"> </span>The Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e Ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s Emp<span class=\"_ _0\"></span>loyee B<span class=\"_ _0\"></span>enef<span class=\"_ _0\"></span>it T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>ust was e<span class=\"_ _0\"></span>stab<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n 14 Septemb<span class=\"_ _0\"></span>er 2018<span class=\"_ _0\"></span>. The p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>e of the t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>t is to faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>tate the a<span class=\"_ _0\"></span>cqu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny by<span class=\"_ _5\"></span>, o<span class=\"_ _0\"></span>r for th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>it of, existin<span class=\"_ _0\"></span>g and f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re emp<span class=\"_ _0\"></span>loye<span class=\"_ _0\"></span>es of the Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny and G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d is co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated as it i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span>Co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>d enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s: Sma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss O<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n Loan T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>ust 2019<span class=\"_ _0\"></span>-3 DAC, Great T<span class=\"_ _1\"></span>ri<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>y Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g 1 DAC, Sma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t 2019<span class=\"_ _0\"></span>-A, S<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s Lend<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Gr<span class=\"_ _0\"></span>antor T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>st 2019<span class=\"_ _0\"></span>-A<span class=\"_ _0\"></span>, Sm<span class=\"_ _0\"></span>all B<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t 2020-A a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s Lend<span class=\"_ _0\"></span>ing G<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ntor T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t 2020-<span class=\"_ _0\"></span>A were co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated st<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>cture<span class=\"_ _0\"></span>d ware<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>use a<span class=\"_ _0\"></span>nd se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n enti<span class=\"_ _0\"></span>ties w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch ei<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r ho<span class=\"_ _0\"></span>ld S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>ets in a wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e or h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d the p<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>fol<span class=\"_ _0\"></span>io of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ds af<span class=\"_ _0\"></span>ter securiti<span class=\"_ _1\"></span>sation h<span class=\"_ _1\"></span>as occurr<span class=\"_ _1\"></span>ed. Kan<span class=\"_ _0\"></span>alo<span class=\"_ _0\"></span>a 2 Li<span class=\"_ _0\"></span>mited (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>K<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>\u201d) is a c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated UK l<span class=\"_ _0\"></span>everag<span class=\"_ _0\"></span>ed S<span class=\"_ _0\"></span>PV wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e that h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en s<span class=\"_ _0\"></span>et up wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e intenti<span class=\"_ _0\"></span>on of fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e use of a s<span class=\"_ _0\"></span>eni<span class=\"_ _0\"></span>or l<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g fac<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty. The e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re, or were, b<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>uptcy rem<span class=\"_ _0\"></span>ote spe<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l pu<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>ose veh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>les a<span class=\"_ _0\"></span>nd as s<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>h the<span class=\"_ _0\"></span>re is no re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt for the Gro<span class=\"_ _0\"></span>up to provi<span class=\"_ _0\"></span>de f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t to the e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>\u2019 act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are not g<span class=\"_ _0\"></span>overn<span class=\"_ _0\"></span>ed by votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ed t<span class=\"_ _0\"></span>hat it ha<span class=\"_ _0\"></span>s power over t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e pur<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se an<span class=\"_ _0\"></span>d des<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n of the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty to dire<span class=\"_ _0\"></span>ct th<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>evant ac<span class=\"_ _0\"></span>tivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s of the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e nature of t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>hip w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d the s<span class=\"_ _0\"></span>ize of its expos<span class=\"_ _0\"></span>ure to the va<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e retur<span class=\"_ _0\"></span>ns fro<span class=\"_ _0\"></span>m eac<span class=\"_ _0\"></span>h ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>As exp<span class=\"_ _0\"></span>lai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d in note 16, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up exp<span class=\"_ _0\"></span>eri<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ces c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ri<span class=\"_ _0\"></span>sk i<span class=\"_ _0\"></span>n relat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n to the SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit net of ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs, a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate risk i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the wa<span class=\"_ _0\"></span>reho<span class=\"_ _0\"></span>use l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n fac<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s whi<span class=\"_ _0\"></span>ch is p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly m<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>gated thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the u<span class=\"_ _0\"></span>se of de<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>vative fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s mo<span class=\"_ _0\"></span>st si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ngs a<span class=\"_ _0\"></span>re set o<span class=\"_ _0\"></span>ut b<span class=\"_ _0\"></span>elow. Thes<span class=\"_ _0\"></span>e are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cant i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e context of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s, resu<span class=\"_ _0\"></span>lts a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on.<span class=\"_ _2d6\"> </span><table class=\"s w613 he2\" id=\"_a3bd563d-ae28-4472-b265-02878c86d3f9\"><tr><td class=\"c n x1c5 y2bbb w614 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Subsidiary undertakings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb75 y2bbb w615 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Principal activity<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2bbc w5be h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle L<span class=\"_ _1\"></span>td<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb76 y2bbc w616 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Acts a<span class=\"_ _0\"></span>s fac<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>itato<span class=\"_ _0\"></span>r and p<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>forms i<span class=\"_ _0\"></span>nterm<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces i<span class=\"_ _0\"></span>n res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of al<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s mad<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bbd ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>K an<span class=\"_ _0\"></span>d Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2bbe w617 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle U<span class=\"_ _1\"></span>SA<span class=\"_ _0\"></span>, Inc.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb78 y2bbe w618 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Th<span class=\"_ _0\"></span>e US op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y of Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le. A<span class=\"_ _0\"></span>cts as t<span class=\"_ _0\"></span>he a<span class=\"_ _0\"></span>dmi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>ator of th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bbf ff4 fs6 fc5 sc0 ls2 ws2\">pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>S. T<span class=\"_ _0\"></span>his wa<span class=\"_ _0\"></span>s dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>f on 1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2bc0 w619 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb79 y2bc0 w61a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">A<span class=\"_ _0\"></span>cts as o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nator a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er of al<span class=\"_ _0\"></span>l l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s mad<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh t<span class=\"_ _0\"></span>he Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>form i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e US.<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc1 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC se<span class=\"_ _0\"></span>lls e<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>h lo<span class=\"_ _0\"></span>an i<span class=\"_ _0\"></span>t or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nates<span class=\"_ _0\"></span>, on a s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ng ret<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d bas<span class=\"_ _0\"></span>is, to th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc2 ff4 fs6 fc5 sc0 ls2 ws2\">ins<span class=\"_ _0\"></span>tit<span class=\"_ _0\"></span>uti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nvestors o<span class=\"_ _0\"></span>r to af<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ates (e.g. Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e No<span class=\"_ _0\"></span>tes Prog<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>m, LLC) on an a<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>\u2019s </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc3 ff4 fs6 fc5 sc0 ls2 ws2\">le<span class=\"_ _0\"></span>ngt<span class=\"_ _0\"></span>h bas<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>. Thi<span class=\"_ _0\"></span>s was d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d of o<span class=\"_ _0\"></span>n 1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bc4 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle e<span class=\"_ _1\"></span>xecs<span class=\"_ _1\"></span> </td><td class=\"t m0 xb77 hd y2bc4 ff4 fs6 fc5 sc0 ls2 ws2\">A sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ial p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se b<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>uptcy re<span class=\"_ _0\"></span>mote ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>s lo<span class=\"_ _0\"></span>an pay<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt dep<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>nt debt </td></tr><tr><td class=\"t m0 x256 hd y2bc5 ff4 fs6 fc5 sc0 ls17 ws16\">Program,<span class=\"_ _1\"></span> LLC<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bc5 ff4 fs6 fc5 sc0 ls2 ws2\">se<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ies to a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>ted i<span class=\"_ _0\"></span>nvestor<span class=\"_ _0\"></span>s. It u<span class=\"_ _0\"></span>ses t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>ds to pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase a s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c co<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc6 ff4 fs6 fc5 sc0 ls2 ws2\">lo<span class=\"_ _0\"></span>an ma<span class=\"_ _0\"></span>de t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the Fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m fro<span class=\"_ _0\"></span>m FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, L<span class=\"_ _0\"></span>LC. The ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y reta<span class=\"_ _0\"></span>ins </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc7 ff4 fs6 fc5 sc0 ls2 ws2\">the c<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l ri<span class=\"_ _0\"></span>ght<span class=\"_ _0\"></span>s to rece<span class=\"_ _0\"></span>ive th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets it h<span class=\"_ _0\"></span>as pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d, bu<span class=\"_ _0\"></span>t ha<span class=\"_ _0\"></span>s </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc8 ff4 fs6 fc5 sc0 ls2 ws2\">ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ed a c<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>tua<span class=\"_ _0\"></span>l ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>on to pay t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows to th<span class=\"_ _0\"></span>e ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s of the d<span class=\"_ _0\"></span>ebt se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>es. </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc9 ff4 fs6 fc5 sc0 ls2 ws2\">The e<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a have be<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>et to der<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>e the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bca ff4 fs6 fc5 sc0 ls2 ws2\">debt s<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es as a p<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>s-th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh a<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 9. T<span class=\"_ _0\"></span>his w<span class=\"_ _0\"></span>as dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d of on </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bcb ff4 fs6 fc5 sc0 ls2 ws2\">1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bcc ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e Foc<span class=\"_ _0\"></span>al Po<span class=\"_ _0\"></span>int </td><td class=\"t m0 xb77 hd y2bcc ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nate<span class=\"_ _0\"></span>d and w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l ti<span class=\"_ _0\"></span>tle to l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are </td></tr><tr><td class=\"t m0 x256 hd y2bcd ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bcd ff4 fs6 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld vi<span class=\"_ _0\"></span>a tr<span class=\"_ _0\"></span>ust s<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>ures fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ial ow<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l inves<span class=\"_ _0\"></span>tors<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bce ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle E<span class=\"_ _1\"></span>clipse </td><td class=\"t m0 xb77 hd y2bce ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch R<span class=\"_ _0\"></span>LS l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l ti<span class=\"_ _0\"></span>tle to l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are </td></tr><tr><td class=\"t m0 x256 hd y2bcf ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bcf ff4 fs6 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld vi<span class=\"_ _0\"></span>a tr<span class=\"_ _0\"></span>ust s<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>ures fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ial ow<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l inves<span class=\"_ _0\"></span>tors<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle P<span class=\"_ _1\"></span>olaris </td><td class=\"t m0 xb77 hd y2bd0 ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch R<span class=\"_ _0\"></span>LS a<span class=\"_ _0\"></span>nd G<span class=\"_ _0\"></span>GS l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>s le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l tit<span class=\"_ _0\"></span>le to l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s </td></tr><tr><td class=\"t m0 x256 hd y2bd1 ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bd1 ff4 fs6 fc5 sc0 ls2 ws2\">whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld v<span class=\"_ _0\"></span>ia t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>t str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>s for th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of in<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>tuti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nvestor<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Deu<span class=\"_ _1\"></span>tschland </td><td class=\"t m0 xb77 hd y2bd2 ff4 fs6 fc5 sc0 ls2 ws2\">Op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n Ge<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>any an<span class=\"_ _0\"></span>d se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd3 ff4 fs6 fc5 sc0 ls7e ws7a\">GmbH<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"c n x1c5 y27eb w5e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Ned<span class=\"_ _1\"></span>erland B.<span class=\"_ _1\"></span>V<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb7a y27eb w61b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">O<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>ing C<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the N<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nds a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>.</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-462": {
   "value": "29. I<span class=\"_ _0\"></span>nter<span class=\"_ _0\"></span>est<span class=\"_ _0\"></span>s in ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r en<span class=\"_ _0\"></span>titi<span class=\"_ _0\"></span>es<span class=\"_ _2d6\"> </span>Inv<span class=\"_ _1\"></span>estments in sub<span class=\"_ _1\"></span>sidiar<span class=\"_ _0\"></span>ies<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ha<span class=\"_ _0\"></span>d the fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies, a<span class=\"_ _0\"></span>ll of wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h have be<span class=\"_ _0\"></span>en in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed in t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts. The p<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of the voti<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ights i<span class=\"_ _0\"></span>n sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>iar<span class=\"_ _2\"></span>y unde<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tak<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ngs h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y by the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pany do<span class=\"_ _0\"></span>es not d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fer fro<span class=\"_ _0\"></span>m the proportion o<span class=\"_ _1\"></span>f ordin<span class=\"_ _1\"></span>ar<span class=\"_ _0\"></span>y shar<span class=\"_ _1\"></span>es held.<span class=\"_ _2d6\"> </span><table class=\"s w5bb hdc\" id=\"_d4fecc5d-e6f8-410e-84b5-ec55b7f05cd5\"><tr><td></td><td class=\"t m0 xafa h35 y2b86 ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xafb h35 y2b87 ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on</td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xafc h35 y2b88 ff4 fs19 fc5 sc0 lsd0 wsc7\"> and principal<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xafd h35 y2b88 ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37f h35 y2b88 ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/</td><td></td></tr><tr><td></td><td class=\"t m0 xafe h35 y2b89 ff4 fs19 fc5 sc0 lsd0 wsc7\"> place of</td><td class=\"t m0 xaff h35 y2b89 ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb00 h35 y2b89 ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d h35 y2b8a ff4 fs19 fc5 sc0 lsd0 wsc7\">Subsidiary undertakings</td><td class=\"t m0 xad7 h35 y2b8a ff4 fs19 fc5 sc0 lsd9 wsd0\"> business<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb01 h35 y2b8a ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb02 y2b8b w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb03 y2b8b w5bd h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered<span class=\"_ _1\"></span> off<span class=\"_ _0\"></span>ice address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b52 w5be h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle L<span class=\"_ _1\"></span>td<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb04 y2b52 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb05 y2b52 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb06 y2b52 w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb07 y2b52 w5c2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n Vi<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b54 w5c3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle BB<span class=\"_ _1\"></span> Limited<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb08 y2b54 w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb09 y2b54 w5c5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0a y2b54 w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0b y2b54 w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ria S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>eet, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b56 w5c8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 wscc\">Fund<span class=\"_ _1\"></span>ing Circle E<span class=\"_ _1\"></span>clipse L<span class=\"_ _1\"></span>ending Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0c y2b56 w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0d y2b56 w5c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0e y2b56 w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0f y2b56 w5cb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b8c ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle F<span class=\"_ _1\"></span>ocal Poin<span class=\"_ _1\"></span>t Lending<span class=\"_ _1\"></span> </td><td class=\"c n xb10 y2b8d w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb11 y2b8d w5cc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb12 y2b8d w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb13 y2b8d w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ria S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>eet, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b8e ff4 fs6 fc5 sc0 lsd7 wsce\">Li<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>ite<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b5a w5cd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Globa<span class=\"_ _1\"></span>l Partners Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb14 y2b5a w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb15 y2b5a w5ce h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb16 y2b5a w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb17 y2b5a w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n Vi<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lon<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b5c w5cf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle T<span class=\"_ _5\"></span>rust<span class=\"_ _1\"></span>ee Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb18 y2b5c w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb19 y2b5c w5cc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1a y2b5c w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1b y2b5c w5d0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lon<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>n EC4V 4<span class=\"_ _0\"></span>A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b8f w5d1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ma<span class=\"_ _0\"></span>de T<span class=\"_ _1\"></span>o Do M<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>e Lim<span class=\"_ _0\"></span>ited<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1c y2b8f w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1d y2b8f w5d2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1e y2b8f w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1f y2b8f w5d3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Qu<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b90 w5d4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd6 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Hori<span class=\"_ _1\"></span>zon L<span class=\"_ _1\"></span>ending Limi<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb04 y2b90 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb05 y2b90 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb20 y2b90 w5d5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb21 y2b90 w5d3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b91 w5d6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle P<span class=\"_ _1\"></span>olaris Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb22 y2b91 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb23 y2b91 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb24 y2b91 w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb25 y2b91 w5cb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Lond<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b92 w5d7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle CE<span class=\"_ _1\"></span> GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb26 y2b92 w5d8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb27 y2b92 w5c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb28 y2b92 w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb29 y2b92 w5d9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Rhe<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>tra<span class=\"_ _0\"></span>\u00dfe 11, 1451<span class=\"_ _1\"></span>3 T<span class=\"_ _1\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b93 w5da h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Deu<span class=\"_ _1\"></span>tschland GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2a y2b93 w5db h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2b y2b93 w5cc h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2c y2b93 w5d5 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2d y2b93 w5dc h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Rhei<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ra\u00df<span class=\"_ _0\"></span>e 11, 1<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>513 T<span class=\"_ _5\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b94 w5dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Connec<span class=\"_ _1\"></span>t GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2e y2b94 w5db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2f y2b94 w5d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb30 y2b94 w5d5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb31 y2b94 w5de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">R<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ra\u00df<span class=\"_ _0\"></span>e 11, 1451<span class=\"_ _1\"></span>3 T<span class=\"_ _1\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b95 w5df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">FC<span class=\"_ _1\"></span> Forderungsmanagemen<span class=\"_ _1\"></span>t GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb32 y2b95 w5e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">Germany<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb33 y2b95 w5cc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb34 y2b95 w5c6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb35 y2b95 w5e1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Rhe<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>a\u00dfe 11, 14513 T<span class=\"_ _5\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b96 w5e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Ned<span class=\"_ _1\"></span>erland B.<span class=\"_ _1\"></span>V<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb36 y2b96 w5e3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls52 ws50\">Netherlands<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb37 y2b96 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb38 y2b96 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirec<span class=\"_ _1\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb39 y2b96 w5cb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Lond<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y2b97 ff5 fs6 fc5 sc0 lsd5 wscc\">Subsidiary undertakings disposed </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d ha y2b98 ff5 fs6 fc5 sc0 ls2 ws2\">of i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2b47 w5e4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle U<span class=\"_ _1\"></span>SA<span class=\"_ _0\"></span>, Inc.</div><div class=\"t m0 xb3a h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b47 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b47 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3c y2b47 w5c1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3d y2b47 w5e5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 17th St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b48 w5e6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e Notes Pr<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>, LLC</div><div class=\"t m0 xb3e h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b48 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b48 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b48 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b48 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b99 w5e8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC</div><div class=\"t m0 xb41 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b99 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b99 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b99 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b99 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b4a w5e9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle In<span class=\"_ _1\"></span>vest<span class=\"_ _1\"></span>or F<span class=\"_ _1\"></span>unds, L<span class=\"_ _1\"></span>LC</div><div class=\"t m0 xb42 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b4a w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b4a w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b4a w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b4a w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a1f w5ea h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC De<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sito<span class=\"_ _0\"></span>r US LLC</div><div class=\"t m0 xb43 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2a1f w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2a1f w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2a1f w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2a1f w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y29b1 w5eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal U<span class=\"_ _0\"></span>S II<span class=\"_ _0\"></span>I LLC</div><div class=\"t m0 xb44 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y29b1 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y29b1 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y29b1 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y29b1 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w5eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC SB<span class=\"_ _0\"></span>A Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g LLC</div><div class=\"t m0 xb44 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y27eb w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y27eb w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y27eb w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y27eb w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span>Al<span class=\"_ _0\"></span>l US s<span class=\"_ _0\"></span>ub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es w<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>e di<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>f on 1 J<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>y 20<span class=\"_ _0\"></span>24.<span class=\"_ _2d6\"> </span>Inv<span class=\"_ _1\"></span>estments in associa<span class=\"_ _1\"></span>tes<span class=\"_ _2d6\"> </span>Set ou<span class=\"_ _0\"></span>t be<span class=\"_ _0\"></span>low a<span class=\"_ _0\"></span>re the a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p as at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024 which<span class=\"_ _0\"></span>, in th<span class=\"_ _0\"></span>e op<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>he Di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tors, a<span class=\"_ _0\"></span>re materi<span class=\"_ _0\"></span>al to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up. Th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s lis<span class=\"_ _0\"></span>ted be<span class=\"_ _0\"></span>low have sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l con<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y of ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>, whi<span class=\"_ _0\"></span>ch ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>y of in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>orat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>r reg<span class=\"_ _0\"></span>ist<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on is a<span class=\"_ _0\"></span>lso t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>ir pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pal p<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce of bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, an<span class=\"_ _0\"></span>d the pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p interest i<span class=\"_ _0\"></span>s the s<span class=\"_ _0\"></span>am<span class=\"_ _0\"></span>e as th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts he<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span><table class=\"s w5ec hdd\" id=\"_3f8ae706-3269-4622-bbcd-6b31649a8abe\"><tr><td></td><td></td><td class=\"t m0 xafd h35 y2b9a ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37f h35 y2b9a ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xafa h35 y2b9b ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td class=\"t m0 xaff h35 y2b9b ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb00 h35 y2b9b ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d h35 y2b9c ff4 fs19 fc5 sc0 ls13c ws136\">Associate<span class=\"_ _1\"></span> entity name<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xafb h35 y2b9c ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb01 h35 y2b9c ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb02 y2b9d w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb03 y2b9d w5bd h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered<span class=\"_ _1\"></span> off<span class=\"_ _0\"></span>ice address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b9e ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e UK S<span class=\"_ _0\"></span>ME D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ect </td><td class=\"c n x415 y28fd w5ed h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Ireland<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb45 y28fd w5ee h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd6 wscd\">8%<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xb46 y28fd w5ef h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _3f\"> </span><span class=\"ls2 ws2\">70, Sir J<span class=\"_ _0\"></span>oh<span class=\"_ _0\"></span>n Ro<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>\u2019s Qu<span class=\"_ _0\"></span>ay<span class=\"_ _1\"></span>, Du<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>in 2, I<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></span></div></td></tr><tr><td class=\"t m0 x21d hd y2b9f ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Fund\u00b9<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr></table>1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Pr<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>te su<span class=\"_ _0\"></span>b-<span class=\"_ _0\"></span>fu<span class=\"_ _0\"></span>nd h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d v<span class=\"_ _0\"></span>ia t<span class=\"_ _0\"></span>he Fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g C<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e I<span class=\"_ _0\"></span>CAV<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>n Ir<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>sh c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ve as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>t-ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t ve<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>tu<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>n um<span class=\"_ _0\"></span>br<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>a fu<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>h re<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>ter<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ce a<span class=\"_ _0\"></span>dd<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ss of 70, S<span class=\"_ _0\"></span>ir J<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>hn R<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>\u2019s Q<span class=\"_ _0\"></span>uay, Du<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>n 2, I<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates outl<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed ab<span class=\"_ _0\"></span>ove dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y hol<span class=\"_ _0\"></span>d invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s as deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow<span class=\"_ _1\"></span>, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to be rel<span class=\"_ _0\"></span>ated pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span><table class=\"s w5f0 hde\" id=\"_cdc29cb2-cd6a-4cff-b8b8-d695186fbb0a\"><tr><td></td><td></td><td></td><td class=\"t m0 xb47 h35 y2ba0 ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e6 h35 y2ba0 ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xb48 h35 y2ba1 ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td></td><td class=\"t m0 x7dc h35 y2ba1 ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x55e h35 y2ba1 ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x256 h35 y2ba2 ff4 fs19 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y na<span class=\"_ _0\"></span>me<span class=\"_ _2d6\"> </span></td><td class=\"c n xb49 y2ba3 w5f1 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4a y2ba3 w5f2 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">Relationship</div></td><td class=\"t m0 xb4b h35 y2ba2 ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb4c y2ba3 w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4d y2ba3 w5f3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered office address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ba4 ff4 fs6 fc5 sc0 ls2 ws2\">Thr<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ton Len<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng D<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ated </td><td class=\"c n xb4e y28fd w5ed h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Ireland<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4f y28fd w5f4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Subsidiary<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb50 y28fd w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb51 y28fd w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb52 y28fd w5f5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">70, Sir Jo<span class=\"_ _0\"></span>hn R<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>n\u2019s Q<span class=\"_ _0\"></span>uay<span class=\"_ _1\"></span>,<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ba5 ff4 fs6 fc5 sc0 lsfd wsf6\">Activity Company<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x99b hd y2ba5 ff4 fs6 fc5 sc0 ls2 ws2\">of ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iate</td><td></td><td></td><td class=\"t m0 xb53 hd y2ba5 ff4 fs6 fc5 sc0 ls15 ws14\"> Dublin 2<span class=\"_ _1\"></span>, Ireland<span class=\"_ _2d6\"> </span></td></tr></table>The t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>es b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow provi<span class=\"_ _0\"></span>de su<span class=\"_ _0\"></span>mma<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>sed f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l infor<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on for t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates that a<span class=\"_ _0\"></span>re mater<span class=\"_ _0\"></span>ial to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up. The i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d refl<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>s the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts pre<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>nted in th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al st<span class=\"_ _0\"></span>atement<span class=\"_ _0\"></span>s of the re<span class=\"_ _0\"></span>levant a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates and not Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Circ<span class=\"_ _0\"></span>le H<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ngs p<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>\u2019s s<span class=\"_ _0\"></span>hare of t<span class=\"_ _0\"></span>hose a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts<span class=\"_ _0\"></span>. They have b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n ame<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed to refl<span class=\"_ _0\"></span>ect a<span class=\"_ _0\"></span>dju<span class=\"_ _0\"></span>stm<span class=\"_ _0\"></span>ents m<span class=\"_ _0\"></span>ade by the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y whe<span class=\"_ _0\"></span>n us<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d, in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>ng m<span class=\"_ _0\"></span>odi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s for dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s in a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>icy. Whil<span class=\"_ _0\"></span>e the Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds les<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>an 20% owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p in Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Circ<span class=\"_ _0\"></span>le U<span class=\"_ _0\"></span>K S<span class=\"_ _0\"></span>ME D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ct Lend<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Fund I, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ers t<span class=\"_ _0\"></span>hat it has s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant inf<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce over th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>n its B<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>rd an<span class=\"_ _0\"></span>d so co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nue<span class=\"_ _0\"></span>s to acco<span class=\"_ _0\"></span>unt for i<span class=\"_ _0\"></span>t as an ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate instea<span class=\"_ _0\"></span>d of a tra<span class=\"_ _0\"></span>de invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>The as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates are sub<span class=\"_ _0\"></span>-fu<span class=\"_ _0\"></span>nds w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h invest i<span class=\"_ _0\"></span>n SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oans<span class=\"_ _0\"></span>, and t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is expo<span class=\"_ _0\"></span>sed to defa<span class=\"_ _0\"></span>ult a<span class=\"_ _0\"></span>nd p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nt ris<span class=\"_ _0\"></span>k wit<span class=\"_ _0\"></span>h resp<span class=\"_ _0\"></span>ect to th<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce of th<span class=\"_ _0\"></span>e und<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>lyi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates, to the ex<span class=\"_ _0\"></span>tent that t<span class=\"_ _0\"></span>he s<span class=\"_ _0\"></span>hare of p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t from ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ates may di<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>ish<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e tab<span class=\"_ _0\"></span>le b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow ill<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>rates th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s maxi<span class=\"_ _0\"></span>mum exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to the invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iates whi<span class=\"_ _0\"></span>ch re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>ue o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et. Th<span class=\"_ _0\"></span>e valu<span class=\"_ _0\"></span>e of th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ent is d<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ived fro<span class=\"_ _0\"></span>m net a<span class=\"_ _0\"></span>sset va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ents fro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e sub<span class=\"_ _0\"></span>-fu<span class=\"_ _0\"></span>nds; however, bein<span class=\"_ _0\"></span>g pr<span class=\"_ _0\"></span>ivate, thes<span class=\"_ _0\"></span>e are not f<span class=\"_ _0\"></span>rom o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e ma<span class=\"_ _0\"></span>rket data, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>erefore t<span class=\"_ _0\"></span>he fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be a<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gne<span class=\"_ _0\"></span>d to the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng val<span class=\"_ _0\"></span>ue.<span class=\"_ _2d6\"> </span><table class=\"s w26f hdf\" id=\"_7323ed11-448d-4fc2-8065-a267f7909558\"><tr><td></td><td class=\"t m0 xb54 h38 y2ba6 ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2ba6 ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2ba7 ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2ba7 ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2ba8 ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb56 h35 y2ba8 ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h38 y2ba9 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2ba9 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2baa ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2baa ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h35 y2bab ff4 fs19 fc5 sc0 lsd0 wsc7\">Summarised balance<span class=\"_ _1\"></span> sheet (Group\u2019<span class=\"_ _1\"></span>s share<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h38 y2bab ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2bab ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2905 w5f6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53f y2906 w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb57 y2905 w169 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w5f7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt ass<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x26b y27e6 w1f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb58 y27e5 w327 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w5f8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Curren<span class=\"_ _1\"></span>t liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x406 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb59 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w5f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w5fa h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls9 ws8\">Net ass<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x559 y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5a y27eb wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr></table>Reconciliat<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> associate<span class=\"_ _1\"></span>s\u2019 to<span class=\"_ _1\"></span>tal shareholders\u2019<span class=\"_ _1\"></span> equity to<span class=\"_ _1\"></span> carr<span class=\"_ _0\"></span>ying amoun<span class=\"_ _1\"></span>t in F<span class=\"_ _1\"></span>unding Circle<span class=\"_ _1\"></span> Holdings plc\u2019<span class=\"_ _1\"></span>s consolida<span class=\"_ _1\"></span>ted financial<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ements<span class=\"_ _2d6\"> </span><table class=\"s w5fb he0\" id=\"_f80c42d3-e3d7-40e6-8c2f-07fcc9d8b4a3\"><tr><td></td><td class=\"t m0 xb54 h38 y2bac ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2bac ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2bad ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2bad ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2bae ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb56 h35 y2bae ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h38 y2baf ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2baf ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2bb0 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2bb0 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2bb1 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2bb1 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a74 w5fc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Op<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g net as<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>s as at 1 Ja<span class=\"_ _0\"></span>nua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5b y2a75 w5fd h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls87 ws83\">18.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5c y2a74 w19e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a76 w115 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5d y2a77 w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5e y2a76 w14b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2973 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2974 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y2973 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2975 w5fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Other compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5f y2976 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2975 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2825 w5ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al re<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb60 y2826 w600 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb61 y2825 w601 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290c w602 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>vid<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ds pa<span class=\"_ _0\"></span>id i<span class=\"_ _0\"></span>n the ye<span class=\"_ _0\"></span>ar<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb62 y290d w46f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb63 y290c w603 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2906 w604 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Cl<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>ng n<span class=\"_ _0\"></span>et as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>ts as at 3<span class=\"_ _0\"></span>1 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb64 y2906 w7f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb65 y2905 w605 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b4a w606 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are i<span class=\"_ _0\"></span>n %<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb66 y2bb2 w607 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsb5 wsb1\">8.3%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb67 y2b4a w608 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">8.3%<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29e1 w609 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are of n<span class=\"_ _0\"></span>et ass<span class=\"_ _0\"></span>ets as at 31 D<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb68 y29e2 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb69 y29e1 wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e9 w60a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Accoun<span class=\"_ _1\"></span>ting policy<span class=\"_ _1\"></span> alignment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y27ea w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y27e9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w60b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Group\u2019s<span class=\"_ _1\"></span> c<span class=\"_ _0\"></span>arrying amount<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6a y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6b y27eb wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w60c he1\" id=\"_580eec5a-0a13-4a70-a3ce-3b3375f492aa\"><tr><td></td><td class=\"t m0 xb6c h38 y2bb3 ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6d h35 y2bb3 ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb6c h38 y2bb4 ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6e h35 y2bb4 ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb6c h38 y2bb5 ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6e h35 y2bb5 ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x539 h38 y2bb6 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2bb6 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2bb7 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2bb7 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2bb8 ff4 fs19 fc5 sc0 lsd1 wsc8\">Summarised st<span class=\"_ _1\"></span>atement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> (Group\u2019s<span class=\"_ _1\"></span> share)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h38 y2bb8 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2bb8 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2916 w60d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Gross<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6f y2964 w60e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb70 y2916 w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2966 w115 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y2965 w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb71 y2966 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2bb9 w5fe h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Other compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5f y2bba w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2bb9 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2969 w60f h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal compreh<span class=\"_ _1\"></span>ensive inc<span class=\"_ _1\"></span>ome<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y2969 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb72 y2968 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282f w610 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls1e ws26\">Dividends received<span class=\"_ _1\"></span> from associates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y282f w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb71 y2830 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w611 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">Capital red<span class=\"_ _1\"></span>emptions receiv<span class=\"_ _1\"></span>ed from<span class=\"_ _1\"></span> associates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb73 y27ec w31 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb74 y27eb w612 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table>Int<span class=\"_ _1\"></span>erest in o<span class=\"_ _1\"></span>ther ent<span class=\"_ _1\"></span>ities<span class=\"_ _2d6\"> </span>St<span class=\"_ _0\"></span>icht<span class=\"_ _0\"></span>ing D<span class=\"_ _0\"></span>erd<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>lde<span class=\"_ _0\"></span>n Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le is n<span class=\"_ _0\"></span>ot a di<span class=\"_ _0\"></span>rect o<span class=\"_ _0\"></span>r in<span class=\"_ _0\"></span>dire<span class=\"_ _0\"></span>ct su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y of Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le H<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>gs p<span class=\"_ _0\"></span>lc b<span class=\"_ _0\"></span>ut is a<span class=\"_ _0\"></span>n independent<span class=\"_ _1\"></span> special purpose f<span class=\"_ _1\"></span>oundation<span class=\"_ _1\"></span> which is r<span class=\"_ _1\"></span>equired in t<span class=\"_ _1\"></span>he Netherlands<span class=\"_ _1\"></span> to sa<span class=\"_ _1\"></span>feguard<span class=\"_ _1\"></span> borrower<span class=\"_ _1\"></span> and inv<span class=\"_ _1\"></span>estor<span class=\"_ _1\"></span> funds and i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated as it i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The re<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>stered of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e add<span class=\"_ _0\"></span>ress i<span class=\"_ _0\"></span>s Atri<span class=\"_ _0\"></span>um, S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>awins<span class=\"_ _0\"></span>k<span class=\"_ _0\"></span>yl<span class=\"_ _0\"></span>aan 3<span class=\"_ _0\"></span>075, 4th Flo<span class=\"_ _0\"></span>or<span class=\"_ _1\"></span>, 107<span class=\"_ _0\"></span>7 Z<span class=\"_ _0\"></span>X Am<span class=\"_ _0\"></span>sterda<span class=\"_ _0\"></span>m.<span class=\"_ _2d6\"> </span>The Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e Ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s Emp<span class=\"_ _0\"></span>loyee B<span class=\"_ _0\"></span>enef<span class=\"_ _0\"></span>it T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>ust was e<span class=\"_ _0\"></span>stab<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n 14 Septemb<span class=\"_ _0\"></span>er 2018<span class=\"_ _0\"></span>. The p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>e of the t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>t is to faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>tate the a<span class=\"_ _0\"></span>cqu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny by<span class=\"_ _5\"></span>, o<span class=\"_ _0\"></span>r for th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>it of, existin<span class=\"_ _0\"></span>g and f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re emp<span class=\"_ _0\"></span>loye<span class=\"_ _0\"></span>es of the Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny and G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d is co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated as it i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span>Co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>d enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s: Sma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss O<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n Loan T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>ust 2019<span class=\"_ _0\"></span>-3 DAC, Great T<span class=\"_ _1\"></span>ri<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>y Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g 1 DAC, Sma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t 2019<span class=\"_ _0\"></span>-A, S<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s Lend<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Gr<span class=\"_ _0\"></span>antor T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>st 2019<span class=\"_ _0\"></span>-A<span class=\"_ _0\"></span>, Sm<span class=\"_ _0\"></span>all B<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t 2020-A a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s Lend<span class=\"_ _0\"></span>ing G<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ntor T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t 2020-<span class=\"_ _0\"></span>A were co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated st<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>cture<span class=\"_ _0\"></span>d ware<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>use a<span class=\"_ _0\"></span>nd se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n enti<span class=\"_ _0\"></span>ties w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch ei<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r ho<span class=\"_ _0\"></span>ld S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>ets in a wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e or h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d the p<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>fol<span class=\"_ _0\"></span>io of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ds af<span class=\"_ _0\"></span>ter securiti<span class=\"_ _1\"></span>sation h<span class=\"_ _1\"></span>as occurr<span class=\"_ _1\"></span>ed. Kan<span class=\"_ _0\"></span>alo<span class=\"_ _0\"></span>a 2 Li<span class=\"_ _0\"></span>mited (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>K<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>\u201d) is a c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated UK l<span class=\"_ _0\"></span>everag<span class=\"_ _0\"></span>ed S<span class=\"_ _0\"></span>PV wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e that h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en s<span class=\"_ _0\"></span>et up wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e intenti<span class=\"_ _0\"></span>on of fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e use of a s<span class=\"_ _0\"></span>eni<span class=\"_ _0\"></span>or l<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g fac<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty. The e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re, or were, b<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>uptcy rem<span class=\"_ _0\"></span>ote spe<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l pu<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>ose veh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>les a<span class=\"_ _0\"></span>nd as s<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>h the<span class=\"_ _0\"></span>re is no re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt for the Gro<span class=\"_ _0\"></span>up to provi<span class=\"_ _0\"></span>de f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t to the e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>\u2019 act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are not g<span class=\"_ _0\"></span>overn<span class=\"_ _0\"></span>ed by votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ed t<span class=\"_ _0\"></span>hat it ha<span class=\"_ _0\"></span>s power over t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e pur<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se an<span class=\"_ _0\"></span>d des<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n of the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty to dire<span class=\"_ _0\"></span>ct th<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>evant ac<span class=\"_ _0\"></span>tivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s of the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e nature of t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>hip w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d the s<span class=\"_ _0\"></span>ize of its expos<span class=\"_ _0\"></span>ure to the va<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e retur<span class=\"_ _0\"></span>ns fro<span class=\"_ _0\"></span>m eac<span class=\"_ _0\"></span>h ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>As exp<span class=\"_ _0\"></span>lai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d in note 16, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up exp<span class=\"_ _0\"></span>eri<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ces c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ri<span class=\"_ _0\"></span>sk i<span class=\"_ _0\"></span>n relat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n to the SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit net of ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs, a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate risk i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the wa<span class=\"_ _0\"></span>reho<span class=\"_ _0\"></span>use l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n fac<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s whi<span class=\"_ _0\"></span>ch is p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly m<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>gated thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the u<span class=\"_ _0\"></span>se of de<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>vative fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s mo<span class=\"_ _0\"></span>st si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ngs a<span class=\"_ _0\"></span>re set o<span class=\"_ _0\"></span>ut b<span class=\"_ _0\"></span>elow. Thes<span class=\"_ _0\"></span>e are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cant i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e context of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s, resu<span class=\"_ _0\"></span>lts a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on.<span class=\"_ _2d6\"> </span><table class=\"s w613 he2\" id=\"_a3bd563d-ae28-4472-b265-02878c86d3f9\"><tr><td class=\"c n x1c5 y2bbb w614 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Subsidiary undertakings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb75 y2bbb w615 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Principal activity<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2bbc w5be h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle L<span class=\"_ _1\"></span>td<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb76 y2bbc w616 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Acts a<span class=\"_ _0\"></span>s fac<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>itato<span class=\"_ _0\"></span>r and p<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>forms i<span class=\"_ _0\"></span>nterm<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces i<span class=\"_ _0\"></span>n res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of al<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s mad<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bbd ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>K an<span class=\"_ _0\"></span>d Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2bbe w617 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle U<span class=\"_ _1\"></span>SA<span class=\"_ _0\"></span>, Inc.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb78 y2bbe w618 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Th<span class=\"_ _0\"></span>e US op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y of Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le. A<span class=\"_ _0\"></span>cts as t<span class=\"_ _0\"></span>he a<span class=\"_ _0\"></span>dmi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>ator of th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bbf ff4 fs6 fc5 sc0 ls2 ws2\">pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>S. T<span class=\"_ _0\"></span>his wa<span class=\"_ _0\"></span>s dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>f on 1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2bc0 w619 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb79 y2bc0 w61a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">A<span class=\"_ _0\"></span>cts as o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nator a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er of al<span class=\"_ _0\"></span>l l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s mad<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh t<span class=\"_ _0\"></span>he Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>form i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e US.<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc1 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC se<span class=\"_ _0\"></span>lls e<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>h lo<span class=\"_ _0\"></span>an i<span class=\"_ _0\"></span>t or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nates<span class=\"_ _0\"></span>, on a s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ng ret<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d bas<span class=\"_ _0\"></span>is, to th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc2 ff4 fs6 fc5 sc0 ls2 ws2\">ins<span class=\"_ _0\"></span>tit<span class=\"_ _0\"></span>uti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nvestors o<span class=\"_ _0\"></span>r to af<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ates (e.g. Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e No<span class=\"_ _0\"></span>tes Prog<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>m, LLC) on an a<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>\u2019s </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc3 ff4 fs6 fc5 sc0 ls2 ws2\">le<span class=\"_ _0\"></span>ngt<span class=\"_ _0\"></span>h bas<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>. Thi<span class=\"_ _0\"></span>s was d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d of o<span class=\"_ _0\"></span>n 1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bc4 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle e<span class=\"_ _1\"></span>xecs<span class=\"_ _1\"></span> </td><td class=\"t m0 xb77 hd y2bc4 ff4 fs6 fc5 sc0 ls2 ws2\">A sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ial p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se b<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>uptcy re<span class=\"_ _0\"></span>mote ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>s lo<span class=\"_ _0\"></span>an pay<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt dep<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>nt debt </td></tr><tr><td class=\"t m0 x256 hd y2bc5 ff4 fs6 fc5 sc0 ls17 ws16\">Program,<span class=\"_ _1\"></span> LLC<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bc5 ff4 fs6 fc5 sc0 ls2 ws2\">se<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ies to a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>ted i<span class=\"_ _0\"></span>nvestor<span class=\"_ _0\"></span>s. It u<span class=\"_ _0\"></span>ses t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>ds to pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase a s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c co<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc6 ff4 fs6 fc5 sc0 ls2 ws2\">lo<span class=\"_ _0\"></span>an ma<span class=\"_ _0\"></span>de t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the Fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m fro<span class=\"_ _0\"></span>m FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, L<span class=\"_ _0\"></span>LC. The ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y reta<span class=\"_ _0\"></span>ins </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc7 ff4 fs6 fc5 sc0 ls2 ws2\">the c<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l ri<span class=\"_ _0\"></span>ght<span class=\"_ _0\"></span>s to rece<span class=\"_ _0\"></span>ive th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets it h<span class=\"_ _0\"></span>as pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d, bu<span class=\"_ _0\"></span>t ha<span class=\"_ _0\"></span>s </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc8 ff4 fs6 fc5 sc0 ls2 ws2\">ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ed a c<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>tua<span class=\"_ _0\"></span>l ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>on to pay t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows to th<span class=\"_ _0\"></span>e ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s of the d<span class=\"_ _0\"></span>ebt se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>es. </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc9 ff4 fs6 fc5 sc0 ls2 ws2\">The e<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a have be<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>et to der<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>e the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bca ff4 fs6 fc5 sc0 ls2 ws2\">debt s<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es as a p<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>s-th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh a<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 9. T<span class=\"_ _0\"></span>his w<span class=\"_ _0\"></span>as dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d of on </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bcb ff4 fs6 fc5 sc0 ls2 ws2\">1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bcc ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e Foc<span class=\"_ _0\"></span>al Po<span class=\"_ _0\"></span>int </td><td class=\"t m0 xb77 hd y2bcc ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nate<span class=\"_ _0\"></span>d and w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l ti<span class=\"_ _0\"></span>tle to l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are </td></tr><tr><td class=\"t m0 x256 hd y2bcd ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bcd ff4 fs6 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld vi<span class=\"_ _0\"></span>a tr<span class=\"_ _0\"></span>ust s<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>ures fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ial ow<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l inves<span class=\"_ _0\"></span>tors<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bce ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle E<span class=\"_ _1\"></span>clipse </td><td class=\"t m0 xb77 hd y2bce ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch R<span class=\"_ _0\"></span>LS l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l ti<span class=\"_ _0\"></span>tle to l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are </td></tr><tr><td class=\"t m0 x256 hd y2bcf ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bcf ff4 fs6 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld vi<span class=\"_ _0\"></span>a tr<span class=\"_ _0\"></span>ust s<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>ures fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ial ow<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l inves<span class=\"_ _0\"></span>tors<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle P<span class=\"_ _1\"></span>olaris </td><td class=\"t m0 xb77 hd y2bd0 ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch R<span class=\"_ _0\"></span>LS a<span class=\"_ _0\"></span>nd G<span class=\"_ _0\"></span>GS l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>s le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l tit<span class=\"_ _0\"></span>le to l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s </td></tr><tr><td class=\"t m0 x256 hd y2bd1 ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bd1 ff4 fs6 fc5 sc0 ls2 ws2\">whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld v<span class=\"_ _0\"></span>ia t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>t str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>s for th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of in<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>tuti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nvestor<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Deu<span class=\"_ _1\"></span>tschland </td><td class=\"t m0 xb77 hd y2bd2 ff4 fs6 fc5 sc0 ls2 ws2\">Op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n Ge<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>any an<span class=\"_ _0\"></span>d se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd3 ff4 fs6 fc5 sc0 ls7e ws7a\">GmbH<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"c n x1c5 y27eb w5e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Ned<span class=\"_ _1\"></span>erland B.<span class=\"_ _1\"></span>V<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb7a y27eb w61b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">O<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>ing C<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the N<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nds a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>.</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCompositionOfGroupExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-455": {
   "value": "Inv<span class=\"_ _1\"></span>estments in sub<span class=\"_ _1\"></span>sidiar<span class=\"_ _0\"></span>ies<span class=\"_ _2d6\"> </span>The G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ha<span class=\"_ _0\"></span>d the fol<span class=\"_ _0\"></span>low<span class=\"_ _0\"></span>ing s<span class=\"_ _0\"></span>ubs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>ies, a<span class=\"_ _0\"></span>ll of wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h have be<span class=\"_ _0\"></span>en in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ud<span class=\"_ _0\"></span>ed in t<span class=\"_ _0\"></span>hes<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated f<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>nc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>tateme<span class=\"_ _0\"></span>nts. The p<span class=\"_ _0\"></span>rop<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n of the voti<span class=\"_ _0\"></span>ng r<span class=\"_ _0\"></span>ights i<span class=\"_ _0\"></span>n sub<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>iar<span class=\"_ _2\"></span>y unde<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tak<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ngs h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y by the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pany do<span class=\"_ _0\"></span>es not d<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>fer fro<span class=\"_ _0\"></span>m the proportion o<span class=\"_ _1\"></span>f ordin<span class=\"_ _1\"></span>ar<span class=\"_ _0\"></span>y shar<span class=\"_ _1\"></span>es held.<span class=\"_ _2d6\"> </span><table class=\"s w5bb hdc\" id=\"_d4fecc5d-e6f8-410e-84b5-ec55b7f05cd5\"><tr><td></td><td class=\"t m0 xafa h35 y2b86 ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xafb h35 y2b87 ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on</td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xafc h35 y2b88 ff4 fs19 fc5 sc0 lsd0 wsc7\"> and principal<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xafd h35 y2b88 ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37f h35 y2b88 ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/</td><td></td></tr><tr><td></td><td class=\"t m0 xafe h35 y2b89 ff4 fs19 fc5 sc0 lsd0 wsc7\"> place of</td><td class=\"t m0 xaff h35 y2b89 ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb00 h35 y2b89 ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d h35 y2b8a ff4 fs19 fc5 sc0 lsd0 wsc7\">Subsidiary undertakings</td><td class=\"t m0 xad7 h35 y2b8a ff4 fs19 fc5 sc0 lsd9 wsd0\"> business<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb01 h35 y2b8a ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb02 y2b8b w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb03 y2b8b w5bd h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered<span class=\"_ _1\"></span> off<span class=\"_ _0\"></span>ice address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b52 w5be h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle L<span class=\"_ _1\"></span>td<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb04 y2b52 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb05 y2b52 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb06 y2b52 w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb07 y2b52 w5c2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n Vi<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b54 w5c3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle BB<span class=\"_ _1\"></span> Limited<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb08 y2b54 w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb09 y2b54 w5c5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0a y2b54 w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0b y2b54 w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ria S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>eet, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b56 w5c8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 wscc\">Fund<span class=\"_ _1\"></span>ing Circle E<span class=\"_ _1\"></span>clipse L<span class=\"_ _1\"></span>ending Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0c y2b56 w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0d y2b56 w5c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0e y2b56 w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb0f y2b56 w5cb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b8c ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle F<span class=\"_ _1\"></span>ocal Poin<span class=\"_ _1\"></span>t Lending<span class=\"_ _1\"></span> </td><td class=\"c n xb10 y2b8d w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb11 y2b8d w5cc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb12 y2b8d w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb13 y2b8d w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">7<span class=\"_ _0\"></span>1 Qu<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ria S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>eet, Lo<span class=\"_ _0\"></span>ndo<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b8e ff4 fs6 fc5 sc0 lsd7 wsce\">Li<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span>ite<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1c5 y2b5a w5cd h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Globa<span class=\"_ _1\"></span>l Partners Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb14 y2b5a w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb15 y2b5a w5ce h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb16 y2b5a w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb17 y2b5a w5c7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n Vi<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lon<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>n EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b5c w5cf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle T<span class=\"_ _5\"></span>rust<span class=\"_ _1\"></span>ee Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb18 y2b5c w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb19 y2b5c w5cc h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1a y2b5c w5c6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1b y2b5c w5d0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ctor<span class=\"_ _0\"></span>ia S<span class=\"_ _0\"></span>tre<span class=\"_ _0\"></span>et, Lon<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>n EC4V 4<span class=\"_ _0\"></span>A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b8f w5d1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Ma<span class=\"_ _0\"></span>de T<span class=\"_ _1\"></span>o Do M<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>e Lim<span class=\"_ _0\"></span>ited<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1c y2b8f w5c4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1d y2b8f w5d2 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1e y2b8f w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb1f y2b8f w5d3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Qu<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b90 w5d4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd6 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Hori<span class=\"_ _1\"></span>zon L<span class=\"_ _1\"></span>ending Limi<span class=\"_ _1\"></span>ted<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb04 y2b90 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb05 y2b90 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb20 y2b90 w5d5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb21 y2b90 w5d3 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet, Lo<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b91 w5d6 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle P<span class=\"_ _1\"></span>olaris Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb22 y2b91 w5bf h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd5 wscc\">UK<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb23 y2b91 w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb24 y2b91 w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb25 y2b91 w5cb h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>icto<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Lond<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b92 w5d7 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle CE<span class=\"_ _1\"></span> GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb26 y2b92 w5d8 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb27 y2b92 w5c9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb28 y2b92 w5c1 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ctly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb29 y2b92 w5d9 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Rhe<span class=\"_ _0\"></span>ins<span class=\"_ _0\"></span>tra<span class=\"_ _0\"></span>\u00dfe 11, 1451<span class=\"_ _1\"></span>3 T<span class=\"_ _1\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b93 w5da h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Deu<span class=\"_ _1\"></span>tschland GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2a y2b93 w5db h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2b y2b93 w5cc h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2c y2b93 w5d5 h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2d y2b93 w5dc h92\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Rhei<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ra\u00df<span class=\"_ _0\"></span>e 11, 1<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>513 T<span class=\"_ _5\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b94 w5dd h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Connec<span class=\"_ _1\"></span>t GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2e y2b94 w5db h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">German<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb2f y2b94 w5d2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">1<span class=\"_ _0\"></span>00%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb30 y2b94 w5d5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb31 y2b94 w5de h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">R<span class=\"_ _0\"></span>hei<span class=\"_ _0\"></span>nst<span class=\"_ _0\"></span>ra\u00df<span class=\"_ _0\"></span>e 11, 1451<span class=\"_ _1\"></span>3 T<span class=\"_ _1\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b95 w5df h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">FC<span class=\"_ _1\"></span> Forderungsmanagemen<span class=\"_ _1\"></span>t GmbH<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb32 y2b95 w5e0 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsca wsc2\">Germany<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb33 y2b95 w5cc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">10<span class=\"_ _0\"></span>0%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb34 y2b95 w5c6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb35 y2b95 w5e1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Rhe<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>a\u00dfe 11, 14513 T<span class=\"_ _5\"></span>el<span class=\"_ _0\"></span>tow<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b96 w5e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Ned<span class=\"_ _1\"></span>erland B.<span class=\"_ _1\"></span>V<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb36 y2b96 w5e3 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls52 ws50\">Netherlands<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb37 y2b96 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb38 y2b96 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indirec<span class=\"_ _1\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb39 y2b96 w5cb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">71 Q<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>en V<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>tori<span class=\"_ _0\"></span>a St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Lond<span class=\"_ _0\"></span>on EC<span class=\"_ _0\"></span>4V 4A<span class=\"_ _1\"></span>Y<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d ha y2b97 ff5 fs6 fc5 sc0 lsd5 wscc\">Subsidiary undertakings disposed </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x21d ha y2b98 ff5 fs6 fc5 sc0 ls2 ws2\">of i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1c5 y2b47 w5e4 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle U<span class=\"_ _1\"></span>SA<span class=\"_ _0\"></span>, Inc.</div><div class=\"t m0 xb3a h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b47 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b47 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3c y2b47 w5c1 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">D<span class=\"_ _0\"></span>irec<span class=\"_ _0\"></span>tly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3d y2b47 w5e5 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 17th St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b48 w5e6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e Notes Pr<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>ram<span class=\"_ _0\"></span>, LLC</div><div class=\"t m0 xb3e h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b48 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b48 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b48 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b48 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b99 w5e8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC</div><div class=\"t m0 xb41 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b99 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b99 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b99 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b99 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2b4a w5e9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle In<span class=\"_ _1\"></span>vest<span class=\"_ _1\"></span>or F<span class=\"_ _1\"></span>unds, L<span class=\"_ _1\"></span>LC</div><div class=\"t m0 xb42 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2b4a w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2b4a w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2b4a w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2b4a w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y2a1f w5ea h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC De<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sito<span class=\"_ _0\"></span>r US LLC</div><div class=\"t m0 xb43 h3b y2a79 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y2a1f w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y2a1f w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y2a1f w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y2a1f w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y29b1 w5eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ca<span class=\"_ _0\"></span>pi<span class=\"_ _0\"></span>tal U<span class=\"_ _0\"></span>S II<span class=\"_ _0\"></span>I LLC</div><div class=\"t m0 xb44 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y29b1 w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y29b1 w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y29b1 w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y29b1 w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c x1c5 y27eb w5eb h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">FC SB<span class=\"_ _0\"></span>A Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g LLC</div><div class=\"t m0 xb44 h3b y2a11 ff4 fs1b fc5 sc0 ls2 ws2\">1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x8c0 y27eb w33f h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls103 wsfc\">USA<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3b y27eb w5c9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb3f y27eb w5ca h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb40 y27eb w5e7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">707 1<span class=\"_ _1\"></span>7t<span class=\"_ _0\"></span>h St<span class=\"_ _0\"></span>reet<span class=\"_ _0\"></span>, Su<span class=\"_ _0\"></span>ite 220<span class=\"_ _0\"></span>0 De<span class=\"_ _0\"></span>nver<span class=\"_ _1\"></span>, C<span class=\"_ _0\"></span>O 80202<span class=\"_ _2d6\"> </span></div></td></tr></table>1. <span class=\"_ _1f\"> </span>Al<span class=\"_ _0\"></span>l US s<span class=\"_ _0\"></span>ub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>es w<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>e di<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>os<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>f on 1 J<span class=\"_ _0\"></span>ul<span class=\"_ _0\"></span>y 20<span class=\"_ _0\"></span>24.<span class=\"_ _2d6\"> </span>Int<span class=\"_ _1\"></span>erest in o<span class=\"_ _1\"></span>ther ent<span class=\"_ _1\"></span>ities<span class=\"_ _2d6\"> </span>St<span class=\"_ _0\"></span>icht<span class=\"_ _0\"></span>ing D<span class=\"_ _0\"></span>erd<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>lde<span class=\"_ _0\"></span>n Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le is n<span class=\"_ _0\"></span>ot a di<span class=\"_ _0\"></span>rect o<span class=\"_ _0\"></span>r in<span class=\"_ _0\"></span>dire<span class=\"_ _0\"></span>ct su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y of Fundi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le H<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>gs p<span class=\"_ _0\"></span>lc b<span class=\"_ _0\"></span>ut is a<span class=\"_ _0\"></span>n independent<span class=\"_ _1\"></span> special purpose f<span class=\"_ _1\"></span>oundation<span class=\"_ _1\"></span> which is r<span class=\"_ _1\"></span>equired in t<span class=\"_ _1\"></span>he Netherlands<span class=\"_ _1\"></span> to sa<span class=\"_ _1\"></span>feguard<span class=\"_ _1\"></span> borrower<span class=\"_ _1\"></span> and inv<span class=\"_ _1\"></span>estor<span class=\"_ _1\"></span> funds and i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated as it i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The re<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>stered of<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>e add<span class=\"_ _0\"></span>ress i<span class=\"_ _0\"></span>s Atri<span class=\"_ _0\"></span>um, S<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>awins<span class=\"_ _0\"></span>k<span class=\"_ _0\"></span>yl<span class=\"_ _0\"></span>aan 3<span class=\"_ _0\"></span>075, 4th Flo<span class=\"_ _0\"></span>or<span class=\"_ _1\"></span>, 107<span class=\"_ _0\"></span>7 Z<span class=\"_ _0\"></span>X Am<span class=\"_ _0\"></span>sterda<span class=\"_ _0\"></span>m.<span class=\"_ _2d6\"> </span>The Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e Ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>ing<span class=\"_ _0\"></span>s Emp<span class=\"_ _0\"></span>loyee B<span class=\"_ _0\"></span>enef<span class=\"_ _0\"></span>it T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>ust was e<span class=\"_ _0\"></span>stab<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>sh<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>n 14 Septemb<span class=\"_ _0\"></span>er 2018<span class=\"_ _0\"></span>. The p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>pos<span class=\"_ _0\"></span>e of the t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>t is to faci<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>tate the a<span class=\"_ _0\"></span>cqu<span class=\"_ _0\"></span>isi<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of sh<span class=\"_ _0\"></span>ares i<span class=\"_ _0\"></span>n the C<span class=\"_ _0\"></span>om<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>ny by<span class=\"_ _5\"></span>, o<span class=\"_ _0\"></span>r for th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>it of, existin<span class=\"_ _0\"></span>g and f<span class=\"_ _0\"></span>utu<span class=\"_ _0\"></span>re emp<span class=\"_ _0\"></span>loye<span class=\"_ _0\"></span>es of the Co<span class=\"_ _0\"></span>mpa<span class=\"_ _0\"></span>ny and G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>rie<span class=\"_ _0\"></span>s an<span class=\"_ _0\"></span>d is co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated as it i<span class=\"_ _0\"></span>s co<span class=\"_ _0\"></span>ntrol<span class=\"_ _0\"></span>le<span class=\"_ _0\"></span>d by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span>Co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>d enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s: Sma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss O<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gin<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n Loan T<span class=\"_ _1\"></span>r<span class=\"_ _0\"></span>ust 2019<span class=\"_ _0\"></span>-3 DAC, Great T<span class=\"_ _1\"></span>ri<span class=\"_ _0\"></span>nit<span class=\"_ _0\"></span>y Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g 1 DAC, Sma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>ss Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t 2019<span class=\"_ _0\"></span>-A, S<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s Lend<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Gr<span class=\"_ _0\"></span>antor T<span class=\"_ _1\"></span>ru<span class=\"_ _0\"></span>st 2019<span class=\"_ _0\"></span>-A<span class=\"_ _0\"></span>, Sm<span class=\"_ _0\"></span>all B<span class=\"_ _0\"></span>us<span class=\"_ _0\"></span>ine<span class=\"_ _0\"></span>ss Len<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t 2020-A a<span class=\"_ _0\"></span>nd S<span class=\"_ _0\"></span>ma<span class=\"_ _0\"></span>ll B<span class=\"_ _0\"></span>usi<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s Lend<span class=\"_ _0\"></span>ing G<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ntor T<span class=\"_ _1\"></span>rus<span class=\"_ _0\"></span>t 2020-<span class=\"_ _0\"></span>A were co<span class=\"_ _0\"></span>nso<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>dated st<span class=\"_ _0\"></span>ru<span class=\"_ _0\"></span>cture<span class=\"_ _0\"></span>d ware<span class=\"_ _0\"></span>ho<span class=\"_ _0\"></span>use a<span class=\"_ _0\"></span>nd se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n enti<span class=\"_ _0\"></span>ties w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch ei<span class=\"_ _0\"></span>the<span class=\"_ _0\"></span>r ho<span class=\"_ _0\"></span>ld S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n ass<span class=\"_ _0\"></span>ets in a wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e or h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>d the p<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>fol<span class=\"_ _0\"></span>io of S<span class=\"_ _0\"></span>ME l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s and i<span class=\"_ _0\"></span>ssu<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>ds af<span class=\"_ _0\"></span>ter securiti<span class=\"_ _1\"></span>sation h<span class=\"_ _1\"></span>as occurr<span class=\"_ _1\"></span>ed. Kan<span class=\"_ _0\"></span>alo<span class=\"_ _0\"></span>a 2 Li<span class=\"_ _0\"></span>mited (<span class=\"_ _0\"></span>\u201c<span class=\"_ _0\"></span>K<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>\u201d) is a c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sol<span class=\"_ _0\"></span>id<span class=\"_ _0\"></span>ated UK l<span class=\"_ _0\"></span>everag<span class=\"_ _0\"></span>ed S<span class=\"_ _0\"></span>PV wa<span class=\"_ _0\"></span>reh<span class=\"_ _0\"></span>ous<span class=\"_ _0\"></span>e that h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en s<span class=\"_ _0\"></span>et up wi<span class=\"_ _0\"></span>th th<span class=\"_ _0\"></span>e intenti<span class=\"_ _0\"></span>on of fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Flexi<span class=\"_ _0\"></span>Pay li<span class=\"_ _0\"></span>nes of c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e use of a s<span class=\"_ _0\"></span>eni<span class=\"_ _0\"></span>or l<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g fac<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>ty. The e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>ies a<span class=\"_ _0\"></span>re, or were, b<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>uptcy rem<span class=\"_ _0\"></span>ote spe<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l pu<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>ose veh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>les a<span class=\"_ _0\"></span>nd as s<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>h the<span class=\"_ _0\"></span>re is no re<span class=\"_ _0\"></span>qu<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt for the Gro<span class=\"_ _0\"></span>up to provi<span class=\"_ _0\"></span>de f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ial s<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>t to the e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es. T<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>\u2019 act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s are not g<span class=\"_ _0\"></span>overn<span class=\"_ _0\"></span>ed by votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up ha<span class=\"_ _0\"></span>s ass<span class=\"_ _0\"></span>ess<span class=\"_ _0\"></span>ed t<span class=\"_ _0\"></span>hat it ha<span class=\"_ _0\"></span>s power over t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntiti<span class=\"_ _0\"></span>es ba<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e pur<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se an<span class=\"_ _0\"></span>d des<span class=\"_ _0\"></span>ig<span class=\"_ _0\"></span>n of the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d abi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ty to dire<span class=\"_ _0\"></span>ct th<span class=\"_ _0\"></span>e rel<span class=\"_ _0\"></span>evant ac<span class=\"_ _0\"></span>tivi<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s of the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>, th<span class=\"_ _0\"></span>e nature of t<span class=\"_ _0\"></span>he re<span class=\"_ _0\"></span>lati<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>hip w<span class=\"_ _0\"></span>ith t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y an<span class=\"_ _0\"></span>d the s<span class=\"_ _0\"></span>ize of its expos<span class=\"_ _0\"></span>ure to the va<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>abi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y of th<span class=\"_ _0\"></span>e retur<span class=\"_ _0\"></span>ns fro<span class=\"_ _0\"></span>m eac<span class=\"_ _0\"></span>h ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y<span class=\"_ _1\"></span>.<span class=\"_ _2d6\"> </span>As exp<span class=\"_ _0\"></span>lai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d in note 16, th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up exp<span class=\"_ _0\"></span>eri<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ces c<span class=\"_ _0\"></span>red<span class=\"_ _0\"></span>it ri<span class=\"_ _0\"></span>sk i<span class=\"_ _0\"></span>n relat<span class=\"_ _0\"></span>io<span class=\"_ _0\"></span>n to the SM<span class=\"_ _0\"></span>E lo<span class=\"_ _0\"></span>an as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of cre<span class=\"_ _0\"></span>dit net of ba<span class=\"_ _0\"></span>nk b<span class=\"_ _0\"></span>or<span class=\"_ _0\"></span>rowin<span class=\"_ _0\"></span>gs, a<span class=\"_ _0\"></span>nd i<span class=\"_ _0\"></span>nterest r<span class=\"_ _0\"></span>ate risk i<span class=\"_ _0\"></span>n rel<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n to the wa<span class=\"_ _0\"></span>reho<span class=\"_ _0\"></span>use l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n fac<span class=\"_ _0\"></span>ili<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s whi<span class=\"_ _0\"></span>ch is p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>ial<span class=\"_ _0\"></span>ly m<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>gated thro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the u<span class=\"_ _0\"></span>se of de<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>vative fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nstr<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The p<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>pa<span class=\"_ _0\"></span>l act<span class=\"_ _0\"></span>ivi<span class=\"_ _0\"></span>ties of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s mo<span class=\"_ _0\"></span>st si<span class=\"_ _0\"></span>gni<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>ca<span class=\"_ _0\"></span>nt subs<span class=\"_ _0\"></span>idi<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>ki<span class=\"_ _0\"></span>ngs a<span class=\"_ _0\"></span>re set o<span class=\"_ _0\"></span>ut b<span class=\"_ _0\"></span>elow. Thes<span class=\"_ _0\"></span>e are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red sig<span class=\"_ _0\"></span>nif<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>cant i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e context of t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p\u2019s bu<span class=\"_ _0\"></span>sin<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span>s, resu<span class=\"_ _0\"></span>lts a<span class=\"_ _0\"></span>nd f<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>anc<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l pos<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>on.<span class=\"_ _2d6\"> </span><table class=\"s w613 he2\" id=\"_a3bd563d-ae28-4472-b265-02878c86d3f9\"><tr><td class=\"c n x1c5 y2bbb w614 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Subsidiary undertakings<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb75 y2bbb w615 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsd0 wsc7\">Principal activity<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2bbc w5be h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle L<span class=\"_ _1\"></span>td<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb76 y2bbc w616 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Acts a<span class=\"_ _0\"></span>s fac<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>itato<span class=\"_ _0\"></span>r and p<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>forms i<span class=\"_ _0\"></span>nterm<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces i<span class=\"_ _0\"></span>n res<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ct of al<span class=\"_ _0\"></span>l lo<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>s mad<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh th<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bbd ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>K an<span class=\"_ _0\"></span>d Fl<span class=\"_ _0\"></span>exiPay l<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>es of c<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>t.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2bbe w617 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle U<span class=\"_ _1\"></span>SA<span class=\"_ _0\"></span>, Inc.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb78 y2bbe w618 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Th<span class=\"_ _0\"></span>e US op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ati<span class=\"_ _0\"></span>ng su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>y of Fun<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le. A<span class=\"_ _0\"></span>cts as t<span class=\"_ _0\"></span>he a<span class=\"_ _0\"></span>dmi<span class=\"_ _0\"></span>ni<span class=\"_ _0\"></span>str<span class=\"_ _0\"></span>ator of th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bbf ff4 fs6 fc5 sc0 ls2 ws2\">pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the U<span class=\"_ _0\"></span>S. T<span class=\"_ _0\"></span>his wa<span class=\"_ _0\"></span>s dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>sed o<span class=\"_ _0\"></span>f on 1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2bc0 w619 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb79 y2bc0 w61a h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">A<span class=\"_ _0\"></span>cts as o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nator a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>er of al<span class=\"_ _0\"></span>l l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s mad<span class=\"_ _0\"></span>e th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh t<span class=\"_ _0\"></span>he Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>form i<span class=\"_ _0\"></span>n th<span class=\"_ _0\"></span>e US.<span class=\"_ _2d6\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc1 ff4 fs6 fc5 sc0 ls2 ws2\">FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, LLC se<span class=\"_ _0\"></span>lls e<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>h lo<span class=\"_ _0\"></span>an i<span class=\"_ _0\"></span>t or<span class=\"_ _0\"></span>igi<span class=\"_ _0\"></span>nates<span class=\"_ _0\"></span>, on a s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ici<span class=\"_ _0\"></span>ng ret<span class=\"_ _0\"></span>ai<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>d bas<span class=\"_ _0\"></span>is, to th<span class=\"_ _0\"></span>ird p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc2 ff4 fs6 fc5 sc0 ls2 ws2\">ins<span class=\"_ _0\"></span>tit<span class=\"_ _0\"></span>uti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nvestors o<span class=\"_ _0\"></span>r to af<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>ates (e.g. Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e No<span class=\"_ _0\"></span>tes Prog<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>m, LLC) on an a<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>\u2019s </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc3 ff4 fs6 fc5 sc0 ls2 ws2\">le<span class=\"_ _0\"></span>ngt<span class=\"_ _0\"></span>h bas<span class=\"_ _0\"></span>is<span class=\"_ _0\"></span>. Thi<span class=\"_ _0\"></span>s was d<span class=\"_ _0\"></span>isp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d of o<span class=\"_ _0\"></span>n 1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bc4 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle e<span class=\"_ _1\"></span>xecs<span class=\"_ _1\"></span> </td><td class=\"t m0 xb77 hd y2bc4 ff4 fs6 fc5 sc0 ls2 ws2\">A sp<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ial p<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se b<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>uptcy re<span class=\"_ _0\"></span>mote ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y wh<span class=\"_ _0\"></span>ich i<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ue<span class=\"_ _0\"></span>s lo<span class=\"_ _0\"></span>an pay<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt dep<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>nt debt </td></tr><tr><td class=\"t m0 x256 hd y2bc5 ff4 fs6 fc5 sc0 ls17 ws16\">Program,<span class=\"_ _1\"></span> LLC<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bc5 ff4 fs6 fc5 sc0 ls2 ws2\">se<span class=\"_ _0\"></span>cur<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>ies to a<span class=\"_ _0\"></span>cc<span class=\"_ _0\"></span>redi<span class=\"_ _0\"></span>ted i<span class=\"_ _0\"></span>nvestor<span class=\"_ _0\"></span>s. It u<span class=\"_ _0\"></span>ses t<span class=\"_ _0\"></span>he p<span class=\"_ _0\"></span>roc<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>ds to pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase a s<span class=\"_ _0\"></span>pe<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>c co<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>sp<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc6 ff4 fs6 fc5 sc0 ls2 ws2\">lo<span class=\"_ _0\"></span>an ma<span class=\"_ _0\"></span>de t<span class=\"_ _0\"></span>hro<span class=\"_ _0\"></span>ug<span class=\"_ _0\"></span>h the Fu<span class=\"_ _0\"></span>ndi<span class=\"_ _0\"></span>ng C<span class=\"_ _0\"></span>irc<span class=\"_ _0\"></span>le p<span class=\"_ _0\"></span>lat<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>m fro<span class=\"_ _0\"></span>m FC Ma<span class=\"_ _0\"></span>rketp<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce, L<span class=\"_ _0\"></span>LC. The ent<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>y reta<span class=\"_ _0\"></span>ins </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc7 ff4 fs6 fc5 sc0 ls2 ws2\">the c<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>ra<span class=\"_ _0\"></span>ctua<span class=\"_ _0\"></span>l ri<span class=\"_ _0\"></span>ght<span class=\"_ _0\"></span>s to rece<span class=\"_ _0\"></span>ive th<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows f<span class=\"_ _0\"></span>rom t<span class=\"_ _0\"></span>he l<span class=\"_ _0\"></span>oan a<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>ets it h<span class=\"_ _0\"></span>as pu<span class=\"_ _0\"></span>rch<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d, bu<span class=\"_ _0\"></span>t ha<span class=\"_ _0\"></span>s </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc8 ff4 fs6 fc5 sc0 ls2 ws2\">ass<span class=\"_ _0\"></span>um<span class=\"_ _0\"></span>ed a c<span class=\"_ _0\"></span>ont<span class=\"_ _0\"></span>rac<span class=\"_ _0\"></span>tua<span class=\"_ _0\"></span>l ob<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gati<span class=\"_ _0\"></span>on to pay t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ca<span class=\"_ _0\"></span>sh f<span class=\"_ _0\"></span>lows to th<span class=\"_ _0\"></span>e ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>s of the d<span class=\"_ _0\"></span>ebt se<span class=\"_ _0\"></span>cu<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>es. </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bc9 ff4 fs6 fc5 sc0 ls2 ws2\">The e<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>bi<span class=\"_ _0\"></span>lit<span class=\"_ _0\"></span>y c<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>teri<span class=\"_ _0\"></span>a have be<span class=\"_ _0\"></span>en m<span class=\"_ _0\"></span>et to der<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>nis<span class=\"_ _0\"></span>e the l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>n as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ated is<span class=\"_ _0\"></span>su<span class=\"_ _0\"></span>ed </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bca ff4 fs6 fc5 sc0 ls2 ws2\">debt s<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>iti<span class=\"_ _0\"></span>es as a p<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>s-th<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>gh a<span class=\"_ _0\"></span>rr<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt un<span class=\"_ _0\"></span>der I<span class=\"_ _0\"></span>FRS 9. T<span class=\"_ _0\"></span>his w<span class=\"_ _0\"></span>as dis<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>d of on </td></tr><tr><td></td><td class=\"t m0 xb77 hd y2bcb ff4 fs6 fc5 sc0 ls2 ws2\">1 Ju<span class=\"_ _0\"></span>ly 2024.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bcc ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e Foc<span class=\"_ _0\"></span>al Po<span class=\"_ _0\"></span>int </td><td class=\"t m0 xb77 hd y2bcc ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch C<span class=\"_ _0\"></span>BI<span class=\"_ _0\"></span>LS l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nate<span class=\"_ _0\"></span>d and w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l ti<span class=\"_ _0\"></span>tle to l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are </td></tr><tr><td class=\"t m0 x256 hd y2bcd ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bcd ff4 fs6 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld vi<span class=\"_ _0\"></span>a tr<span class=\"_ _0\"></span>ust s<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>ures fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ial ow<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l inves<span class=\"_ _0\"></span>tors<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bce ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle E<span class=\"_ _1\"></span>clipse </td><td class=\"t m0 xb77 hd y2bce ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch R<span class=\"_ _0\"></span>LS l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>ch h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l ti<span class=\"_ _0\"></span>tle to l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns wh<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>h are </td></tr><tr><td class=\"t m0 x256 hd y2bcf ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bcf ff4 fs6 fc5 sc0 ls2 ws2\">he<span class=\"_ _0\"></span>ld vi<span class=\"_ _0\"></span>a tr<span class=\"_ _0\"></span>ust s<span class=\"_ _0\"></span>tr<span class=\"_ _0\"></span>uct<span class=\"_ _0\"></span>ures fo<span class=\"_ _0\"></span>r th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ial ow<span class=\"_ _0\"></span>ne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of ins<span class=\"_ _0\"></span>titu<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ona<span class=\"_ _0\"></span>l inves<span class=\"_ _0\"></span>tors<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd0 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle P<span class=\"_ _1\"></span>olaris </td><td class=\"t m0 xb77 hd y2bd0 ff4 fs6 fc5 sc0 ls2 ws2\">Sub<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y vi<span class=\"_ _0\"></span>a whi<span class=\"_ _0\"></span>ch R<span class=\"_ _0\"></span>LS a<span class=\"_ _0\"></span>nd G<span class=\"_ _0\"></span>GS l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s are o<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h ho<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>s le<span class=\"_ _0\"></span>ga<span class=\"_ _0\"></span>l tit<span class=\"_ _0\"></span>le to l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s </td></tr><tr><td class=\"t m0 x256 hd y2bd1 ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Limit<span class=\"_ _1\"></span>ed<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb77 hd y2bd1 ff4 fs6 fc5 sc0 ls2 ws2\">whi<span class=\"_ _0\"></span>ch a<span class=\"_ _0\"></span>re he<span class=\"_ _0\"></span>ld v<span class=\"_ _0\"></span>ia t<span class=\"_ _0\"></span>rus<span class=\"_ _0\"></span>t str<span class=\"_ _0\"></span>uc<span class=\"_ _0\"></span>ture<span class=\"_ _0\"></span>s for th<span class=\"_ _0\"></span>e be<span class=\"_ _0\"></span>nef<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ia<span class=\"_ _0\"></span>l owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p of in<span class=\"_ _0\"></span>sti<span class=\"_ _0\"></span>tuti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>al i<span class=\"_ _0\"></span>nvestor<span class=\"_ _0\"></span>s.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Deu<span class=\"_ _1\"></span>tschland </td><td class=\"t m0 xb77 hd y2bd2 ff4 fs6 fc5 sc0 ls2 ws2\">Op<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Ci<span class=\"_ _0\"></span>rcl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n Ge<span class=\"_ _0\"></span>rm<span class=\"_ _0\"></span>any an<span class=\"_ _0\"></span>d se<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vi<span class=\"_ _0\"></span>ces l<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 hd y2bd3 ff4 fs6 fc5 sc0 ls7e ws7a\">GmbH<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"c n x1c5 y27eb w5e2 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Fund<span class=\"_ _1\"></span>ing Circle Ned<span class=\"_ _1\"></span>erland B.<span class=\"_ _1\"></span>V<span class=\"_ _5\"></span>.<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb7a y27eb w61b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">O<span class=\"_ _0\"></span>p<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ated th<span class=\"_ _0\"></span>e Fund<span class=\"_ _0\"></span>ing C<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e pl<span class=\"_ _0\"></span>atfo<span class=\"_ _0\"></span>rm i<span class=\"_ _0\"></span>n the N<span class=\"_ _0\"></span>eth<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nds a<span class=\"_ _0\"></span>nd s<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>ice<span class=\"_ _0\"></span>s lo<span class=\"_ _0\"></span>ans<span class=\"_ _0\"></span>.</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-456": {
   "value": "Inv<span class=\"_ _1\"></span>estments in associa<span class=\"_ _1\"></span>tes<span class=\"_ _2d6\"> </span>Set ou<span class=\"_ _0\"></span>t be<span class=\"_ _0\"></span>low a<span class=\"_ _0\"></span>re the a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p as at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024 which<span class=\"_ _0\"></span>, in th<span class=\"_ _0\"></span>e op<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>he Di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tors, a<span class=\"_ _0\"></span>re materi<span class=\"_ _0\"></span>al to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up. Th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s lis<span class=\"_ _0\"></span>ted be<span class=\"_ _0\"></span>low have sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l con<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y of ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>, whi<span class=\"_ _0\"></span>ch ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>y of in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>orat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>r reg<span class=\"_ _0\"></span>ist<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on is a<span class=\"_ _0\"></span>lso t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>ir pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pal p<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce of bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, an<span class=\"_ _0\"></span>d the pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p interest i<span class=\"_ _0\"></span>s the s<span class=\"_ _0\"></span>am<span class=\"_ _0\"></span>e as th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts he<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span><table class=\"s w5ec hdd\" id=\"_3f8ae706-3269-4622-bbcd-6b31649a8abe\"><tr><td></td><td></td><td class=\"t m0 xafd h35 y2b9a ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37f h35 y2b9a ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xafa h35 y2b9b ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td class=\"t m0 xaff h35 y2b9b ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb00 h35 y2b9b ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d h35 y2b9c ff4 fs19 fc5 sc0 ls13c ws136\">Associate<span class=\"_ _1\"></span> entity name<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xafb h35 y2b9c ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb01 h35 y2b9c ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb02 y2b9d w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb03 y2b9d w5bd h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered<span class=\"_ _1\"></span> off<span class=\"_ _0\"></span>ice address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b9e ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e UK S<span class=\"_ _0\"></span>ME D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ect </td><td class=\"c n x415 y28fd w5ed h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Ireland<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb45 y28fd w5ee h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd6 wscd\">8%<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xb46 y28fd w5ef h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _3f\"> </span><span class=\"ls2 ws2\">70, Sir J<span class=\"_ _0\"></span>oh<span class=\"_ _0\"></span>n Ro<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>\u2019s Qu<span class=\"_ _0\"></span>ay<span class=\"_ _1\"></span>, Du<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>in 2, I<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></span></div></td></tr><tr><td class=\"t m0 x21d hd y2b9f ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Fund\u00b9<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr></table>1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Pr<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>te su<span class=\"_ _0\"></span>b-<span class=\"_ _0\"></span>fu<span class=\"_ _0\"></span>nd h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d v<span class=\"_ _0\"></span>ia t<span class=\"_ _0\"></span>he Fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g C<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e I<span class=\"_ _0\"></span>CAV<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>n Ir<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>sh c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ve as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>t-ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t ve<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>tu<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>n um<span class=\"_ _0\"></span>br<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>a fu<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>h re<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>ter<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ce a<span class=\"_ _0\"></span>dd<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ss of 70, S<span class=\"_ _0\"></span>ir J<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>hn R<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>\u2019s Q<span class=\"_ _0\"></span>uay, Du<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>n 2, I<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates outl<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed ab<span class=\"_ _0\"></span>ove dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y hol<span class=\"_ _0\"></span>d invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s as deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow<span class=\"_ _1\"></span>, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to be rel<span class=\"_ _0\"></span>ated pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span><table class=\"s w5f0 hde\" id=\"_cdc29cb2-cd6a-4cff-b8b8-d695186fbb0a\"><tr><td></td><td></td><td></td><td class=\"t m0 xb47 h35 y2ba0 ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e6 h35 y2ba0 ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xb48 h35 y2ba1 ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td></td><td class=\"t m0 x7dc h35 y2ba1 ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x55e h35 y2ba1 ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x256 h35 y2ba2 ff4 fs19 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y na<span class=\"_ _0\"></span>me<span class=\"_ _2d6\"> </span></td><td class=\"c n xb49 y2ba3 w5f1 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4a y2ba3 w5f2 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">Relationship</div></td><td class=\"t m0 xb4b h35 y2ba2 ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb4c y2ba3 w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4d y2ba3 w5f3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered office address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ba4 ff4 fs6 fc5 sc0 ls2 ws2\">Thr<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ton Len<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng D<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ated </td><td class=\"c n xb4e y28fd w5ed h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Ireland<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4f y28fd w5f4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Subsidiary<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb50 y28fd w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb51 y28fd w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb52 y28fd w5f5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">70, Sir Jo<span class=\"_ _0\"></span>hn R<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>n\u2019s Q<span class=\"_ _0\"></span>uay<span class=\"_ _1\"></span>,<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ba5 ff4 fs6 fc5 sc0 lsfd wsf6\">Activity Company<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x99b hd y2ba5 ff4 fs6 fc5 sc0 ls2 ws2\">of ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iate</td><td></td><td></td><td class=\"t m0 xb53 hd y2ba5 ff4 fs6 fc5 sc0 ls15 ws14\"> Dublin 2<span class=\"_ _1\"></span>, Ireland<span class=\"_ _2d6\"> </span></td></tr></table>The t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>es b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow provi<span class=\"_ _0\"></span>de su<span class=\"_ _0\"></span>mma<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>sed f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l infor<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on for t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates that a<span class=\"_ _0\"></span>re mater<span class=\"_ _0\"></span>ial to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up. The i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d refl<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>s the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts pre<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>nted in th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al st<span class=\"_ _0\"></span>atement<span class=\"_ _0\"></span>s of the re<span class=\"_ _0\"></span>levant a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates and not Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Circ<span class=\"_ _0\"></span>le H<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ngs p<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>\u2019s s<span class=\"_ _0\"></span>hare of t<span class=\"_ _0\"></span>hose a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts<span class=\"_ _0\"></span>. They have b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n ame<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed to refl<span class=\"_ _0\"></span>ect a<span class=\"_ _0\"></span>dju<span class=\"_ _0\"></span>stm<span class=\"_ _0\"></span>ents m<span class=\"_ _0\"></span>ade by the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y whe<span class=\"_ _0\"></span>n us<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d, in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>ng m<span class=\"_ _0\"></span>odi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s for dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s in a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>icy. Whil<span class=\"_ _0\"></span>e the Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds les<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>an 20% owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p in Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Circ<span class=\"_ _0\"></span>le U<span class=\"_ _0\"></span>K S<span class=\"_ _0\"></span>ME D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ct Lend<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Fund I, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ers t<span class=\"_ _0\"></span>hat it has s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant inf<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce over th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>n its B<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>rd an<span class=\"_ _0\"></span>d so co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nue<span class=\"_ _0\"></span>s to acco<span class=\"_ _0\"></span>unt for i<span class=\"_ _0\"></span>t as an ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate instea<span class=\"_ _0\"></span>d of a tra<span class=\"_ _0\"></span>de invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>The as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates are sub<span class=\"_ _0\"></span>-fu<span class=\"_ _0\"></span>nds w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h invest i<span class=\"_ _0\"></span>n SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oans<span class=\"_ _0\"></span>, and t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is expo<span class=\"_ _0\"></span>sed to defa<span class=\"_ _0\"></span>ult a<span class=\"_ _0\"></span>nd p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nt ris<span class=\"_ _0\"></span>k wit<span class=\"_ _0\"></span>h resp<span class=\"_ _0\"></span>ect to th<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce of th<span class=\"_ _0\"></span>e und<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>lyi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates, to the ex<span class=\"_ _0\"></span>tent that t<span class=\"_ _0\"></span>he s<span class=\"_ _0\"></span>hare of p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t from ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ates may di<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>ish<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e tab<span class=\"_ _0\"></span>le b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow ill<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>rates th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s maxi<span class=\"_ _0\"></span>mum exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to the invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iates whi<span class=\"_ _0\"></span>ch re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>ue o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et. Th<span class=\"_ _0\"></span>e valu<span class=\"_ _0\"></span>e of th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ent is d<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ived fro<span class=\"_ _0\"></span>m net a<span class=\"_ _0\"></span>sset va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ents fro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e sub<span class=\"_ _0\"></span>-fu<span class=\"_ _0\"></span>nds; however, bein<span class=\"_ _0\"></span>g pr<span class=\"_ _0\"></span>ivate, thes<span class=\"_ _0\"></span>e are not f<span class=\"_ _0\"></span>rom o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e ma<span class=\"_ _0\"></span>rket data, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>erefore t<span class=\"_ _0\"></span>he fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be a<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gne<span class=\"_ _0\"></span>d to the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng val<span class=\"_ _0\"></span>ue.<span class=\"_ _2d6\"> </span><table class=\"s w26f hdf\" id=\"_7323ed11-448d-4fc2-8065-a267f7909558\"><tr><td></td><td class=\"t m0 xb54 h38 y2ba6 ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2ba6 ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2ba7 ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2ba7 ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2ba8 ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb56 h35 y2ba8 ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h38 y2ba9 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2ba9 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2baa ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2baa ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h35 y2bab ff4 fs19 fc5 sc0 lsd0 wsc7\">Summarised balance<span class=\"_ _1\"></span> sheet (Group\u2019<span class=\"_ _1\"></span>s share<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h38 y2bab ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2bab ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2905 w5f6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53f y2906 w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb57 y2905 w169 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w5f7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt ass<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x26b y27e6 w1f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb58 y27e5 w327 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w5f8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Curren<span class=\"_ _1\"></span>t liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x406 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb59 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w5f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w5fa h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls9 ws8\">Net ass<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x559 y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5a y27eb wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr></table>Reconciliat<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> associate<span class=\"_ _1\"></span>s\u2019 to<span class=\"_ _1\"></span>tal shareholders\u2019<span class=\"_ _1\"></span> equity to<span class=\"_ _1\"></span> carr<span class=\"_ _0\"></span>ying amoun<span class=\"_ _1\"></span>t in F<span class=\"_ _1\"></span>unding Circle<span class=\"_ _1\"></span> Holdings plc\u2019<span class=\"_ _1\"></span>s consolida<span class=\"_ _1\"></span>ted financial<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ements<span class=\"_ _2d6\"> </span><table class=\"s w5fb he0\" id=\"_f80c42d3-e3d7-40e6-8c2f-07fcc9d8b4a3\"><tr><td></td><td class=\"t m0 xb54 h38 y2bac ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2bac ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2bad ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2bad ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2bae ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb56 h35 y2bae ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h38 y2baf ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2baf ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2bb0 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2bb0 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2bb1 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2bb1 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a74 w5fc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Op<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g net as<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>s as at 1 Ja<span class=\"_ _0\"></span>nua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5b y2a75 w5fd h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls87 ws83\">18.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5c y2a74 w19e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a76 w115 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5d y2a77 w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5e y2a76 w14b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2973 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2974 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y2973 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2975 w5fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Other compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5f y2976 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2975 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2825 w5ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al re<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb60 y2826 w600 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb61 y2825 w601 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290c w602 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>vid<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ds pa<span class=\"_ _0\"></span>id i<span class=\"_ _0\"></span>n the ye<span class=\"_ _0\"></span>ar<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb62 y290d w46f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb63 y290c w603 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2906 w604 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Cl<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>ng n<span class=\"_ _0\"></span>et as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>ts as at 3<span class=\"_ _0\"></span>1 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb64 y2906 w7f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb65 y2905 w605 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b4a w606 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are i<span class=\"_ _0\"></span>n %<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb66 y2bb2 w607 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsb5 wsb1\">8.3%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb67 y2b4a w608 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">8.3%<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29e1 w609 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are of n<span class=\"_ _0\"></span>et ass<span class=\"_ _0\"></span>ets as at 31 D<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb68 y29e2 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb69 y29e1 wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e9 w60a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Accoun<span class=\"_ _1\"></span>ting policy<span class=\"_ _1\"></span> alignment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y27ea w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y27e9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w60b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Group\u2019s<span class=\"_ _1\"></span> c<span class=\"_ _0\"></span>arrying amount<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6a y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6b y27eb wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w60c he1\" id=\"_580eec5a-0a13-4a70-a3ce-3b3375f492aa\"><tr><td></td><td class=\"t m0 xb6c h38 y2bb3 ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6d h35 y2bb3 ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb6c h38 y2bb4 ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6e h35 y2bb4 ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb6c h38 y2bb5 ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6e h35 y2bb5 ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x539 h38 y2bb6 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2bb6 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2bb7 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2bb7 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2bb8 ff4 fs19 fc5 sc0 lsd1 wsc8\">Summarised st<span class=\"_ _1\"></span>atement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> (Group\u2019s<span class=\"_ _1\"></span> share)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h38 y2bb8 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2bb8 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2916 w60d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Gross<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6f y2964 w60e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb70 y2916 w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2966 w115 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y2965 w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb71 y2966 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2bb9 w5fe h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Other compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5f y2bba w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2bb9 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2969 w60f h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal compreh<span class=\"_ _1\"></span>ensive inc<span class=\"_ _1\"></span>ome<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y2969 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb72 y2968 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282f w610 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls1e ws26\">Dividends received<span class=\"_ _1\"></span> from associates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y282f w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb71 y2830 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w611 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">Capital red<span class=\"_ _1\"></span>emptions receiv<span class=\"_ _1\"></span>ed from<span class=\"_ _1\"></span> associates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb73 y27ec w31 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb74 y27eb w612 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-438": {
   "value": "Inv<span class=\"_ _1\"></span>estments in associa<span class=\"_ _1\"></span>tes<span class=\"_ _2d6\"> </span>Set ou<span class=\"_ _0\"></span>t be<span class=\"_ _0\"></span>low a<span class=\"_ _0\"></span>re the a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p as at 31 De<span class=\"_ _0\"></span>ce<span class=\"_ _0\"></span>mbe<span class=\"_ _0\"></span>r 2024 which<span class=\"_ _0\"></span>, in th<span class=\"_ _0\"></span>e op<span class=\"_ _0\"></span>ini<span class=\"_ _0\"></span>on of t<span class=\"_ _0\"></span>he Di<span class=\"_ _0\"></span>rec<span class=\"_ _0\"></span>tors, a<span class=\"_ _0\"></span>re materi<span class=\"_ _0\"></span>al to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up. Th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s lis<span class=\"_ _0\"></span>ted be<span class=\"_ _0\"></span>low have sh<span class=\"_ _0\"></span>are c<span class=\"_ _0\"></span>ap<span class=\"_ _0\"></span>ita<span class=\"_ _0\"></span>l con<span class=\"_ _0\"></span>sis<span class=\"_ _0\"></span>tin<span class=\"_ _0\"></span>g sol<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>y of ord<span class=\"_ _0\"></span>ina<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y sh<span class=\"_ _0\"></span>ares<span class=\"_ _0\"></span>, whi<span class=\"_ _0\"></span>ch ar<span class=\"_ _0\"></span>e hel<span class=\"_ _0\"></span>d dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y by the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p. The c<span class=\"_ _0\"></span>ou<span class=\"_ _0\"></span>ntr<span class=\"_ _0\"></span>y of in<span class=\"_ _0\"></span>co<span class=\"_ _0\"></span>rp<span class=\"_ _0\"></span>orat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>r reg<span class=\"_ _0\"></span>ist<span class=\"_ _0\"></span>rati<span class=\"_ _0\"></span>on is a<span class=\"_ _0\"></span>lso t<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>ir pr<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>pal p<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>ce of bu<span class=\"_ _0\"></span>si<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s, an<span class=\"_ _0\"></span>d the pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p interest i<span class=\"_ _0\"></span>s the s<span class=\"_ _0\"></span>am<span class=\"_ _0\"></span>e as th<span class=\"_ _0\"></span>e pro<span class=\"_ _0\"></span>po<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tio<span class=\"_ _0\"></span>n of votin<span class=\"_ _0\"></span>g ri<span class=\"_ _0\"></span>ghts he<span class=\"_ _0\"></span>ld<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span><table class=\"s w5ec hdd\" id=\"_3f8ae706-3269-4622-bbcd-6b31649a8abe\"><tr><td></td><td></td><td class=\"t m0 xafd h35 y2b9a ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x37f h35 y2b9a ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xafa h35 y2b9b ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td class=\"t m0 xaff h35 y2b9b ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb00 h35 y2b9b ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x21d h35 y2b9c ff4 fs19 fc5 sc0 ls13c ws136\">Associate<span class=\"_ _1\"></span> entity name<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xafb h35 y2b9c ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb01 h35 y2b9c ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb02 y2b9d w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb03 y2b9d w5bd h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered<span class=\"_ _1\"></span> off<span class=\"_ _0\"></span>ice address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x21d hd y2b9e ff4 fs6 fc5 sc0 ls2 ws2\">Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Cir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e UK S<span class=\"_ _0\"></span>ME D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>ect </td><td class=\"c n x415 y28fd w5ed h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Ireland<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb45 y28fd w5ee h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd6 wscd\">8%<span class=\"_ _2d6\"> </span></div></td><td></td><td class=\"c n xb46 y28fd w5ef h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _3f\"> </span><span class=\"ls2 ws2\">70, Sir J<span class=\"_ _0\"></span>oh<span class=\"_ _0\"></span>n Ro<span class=\"_ _0\"></span>ge<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>\u2019s Qu<span class=\"_ _0\"></span>ay<span class=\"_ _1\"></span>, Du<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>in 2, I<span class=\"_ _0\"></span>rel<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>d<span class=\"_ _2d6\"> </span></span></div></td></tr><tr><td class=\"t m0 x21d hd y2b9f ff4 fs6 fc5 sc0 ls15 ws14\">Lend<span class=\"_ _1\"></span>ing Fund\u00b9<span class=\"_ _2d6\"> </span></td><td></td><td></td><td></td><td></td></tr></table>1. <span class=\"_ _1f\"> </span> <span class=\"_ _7\"></span>Pr<span class=\"_ _0\"></span>iva<span class=\"_ _0\"></span>te su<span class=\"_ _0\"></span>b-<span class=\"_ _0\"></span>fu<span class=\"_ _0\"></span>nd h<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>d v<span class=\"_ _0\"></span>ia t<span class=\"_ _0\"></span>he Fu<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g C<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e I<span class=\"_ _0\"></span>CAV<span class=\"_ _1\"></span>, a<span class=\"_ _0\"></span>n Ir<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>sh c<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>ec<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>ve as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>t-ma<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>g<span class=\"_ _0\"></span>em<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>t ve<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>e co<span class=\"_ _0\"></span>ns<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>tu<span class=\"_ _0\"></span>te<span class=\"_ _0\"></span>d as a<span class=\"_ _0\"></span>n um<span class=\"_ _0\"></span>br<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>a fu<span class=\"_ _0\"></span>nd w<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>h re<span class=\"_ _0\"></span>gi<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>ter<span class=\"_ _0\"></span>ed o<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>ce a<span class=\"_ _0\"></span>dd<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ss of 70, S<span class=\"_ _0\"></span>ir J<span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>hn R<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>\u2019s Q<span class=\"_ _0\"></span>uay, Du<span class=\"_ _0\"></span>bl<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>n 2, I<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>.<span class=\"_ _2d6\"> </span>The as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates outl<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>ed ab<span class=\"_ _0\"></span>ove dire<span class=\"_ _0\"></span>ctl<span class=\"_ _0\"></span>y hol<span class=\"_ _0\"></span>d invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nts in su<span class=\"_ _0\"></span>bsi<span class=\"_ _0\"></span>dia<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y enti<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s as deta<span class=\"_ _0\"></span>il<span class=\"_ _0\"></span>ed b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow<span class=\"_ _1\"></span>, w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h are c<span class=\"_ _0\"></span>ons<span class=\"_ _0\"></span>ide<span class=\"_ _0\"></span>red to be rel<span class=\"_ _0\"></span>ated pa<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>tie<span class=\"_ _0\"></span>s of the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p.<span class=\"_ _2d6\"> </span><table class=\"s w5f0 hde\" id=\"_cdc29cb2-cd6a-4cff-b8b8-d695186fbb0a\"><tr><td></td><td></td><td></td><td class=\"t m0 xb47 h35 y2ba0 ff4 fs19 fc5 sc0 lscf wsc6\">Proportion<span class=\"_ _1\"></span> of<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x5e6 h35 y2ba0 ff4 fs19 fc5 sc0 ls164 ws161\">D<span class=\"_ _0\"></span>ir<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>ct<span class=\"_ _0\"></span>l<span class=\"_ _0\"></span>y/<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xb48 h35 y2ba1 ff4 fs19 fc5 sc0 ls2 ws2\">Pl<span class=\"_ _0\"></span>ac<span class=\"_ _0\"></span>e of </td><td></td><td class=\"t m0 x7dc h35 y2ba1 ff4 fs19 fc5 sc0 lsd0 wsc7\"> ownership<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x55e h35 y2ba1 ff4 fs19 fc5 sc0 lsd9 wsd0\">indirectl<span class=\"_ _1\"></span>y<span class=\"_ _2d6\"> </span></td><td></td></tr><tr><td class=\"t m0 x256 h35 y2ba2 ff4 fs19 fc5 sc0 ls2 ws2\">Ot<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>r re<span class=\"_ _0\"></span>late<span class=\"_ _0\"></span>d p<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>y na<span class=\"_ _0\"></span>me<span class=\"_ _2d6\"> </span></td><td class=\"c n xb49 y2ba3 w5f1 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lscf wsc6\">incorporati<span class=\"_ _1\"></span>on<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4a y2ba3 w5f2 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">Relationship</div></td><td class=\"t m0 xb4b h35 y2ba2 ff4 fs19 fc5 sc0 ls108 ws101\">inte<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>st<span class=\"_ _2d6\"> </span></td><td class=\"c n xb4c y2ba3 w5bc h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lse4 wsdd\">held<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4d y2ba3 w5f3 h8e\"><div class=\"t m0 x1ba h35 y2894 ff4 fs19 fc5 sc0 lsf1 wsea\">Registered office address<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ba4 ff4 fs6 fc5 sc0 ls2 ws2\">Thr<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ton Len<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ng D<span class=\"_ _0\"></span>esi<span class=\"_ _0\"></span>gn<span class=\"_ _0\"></span>ated </td><td class=\"c n xb4e y28fd w5ed h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls17 ws16\">Ireland<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb4f y28fd w5f4 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls1e ws26\">Subsidiary<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb50 y28fd w5c0 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 lsd3 wsca\">100%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb51 y28fd w5ca h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Indir<span class=\"_ _1\"></span>ectly<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb52 y28fd w5f5 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">70, Sir Jo<span class=\"_ _0\"></span>hn R<span class=\"_ _0\"></span>og<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>n\u2019s Q<span class=\"_ _0\"></span>uay<span class=\"_ _1\"></span>,<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"t m0 x256 hd y2ba5 ff4 fs6 fc5 sc0 lsfd wsf6\">Activity Company<span class=\"_ _2d6\"> </span></td><td></td><td class=\"t m0 x99b hd y2ba5 ff4 fs6 fc5 sc0 ls2 ws2\">of ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iate</td><td></td><td></td><td class=\"t m0 xb53 hd y2ba5 ff4 fs6 fc5 sc0 ls15 ws14\"> Dublin 2<span class=\"_ _1\"></span>, Ireland<span class=\"_ _2d6\"> </span></td></tr></table>The t<span class=\"_ _0\"></span>abl<span class=\"_ _0\"></span>es b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow provi<span class=\"_ _0\"></span>de su<span class=\"_ _0\"></span>mma<span class=\"_ _0\"></span>ri<span class=\"_ _0\"></span>sed f<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>nan<span class=\"_ _0\"></span>cia<span class=\"_ _0\"></span>l infor<span class=\"_ _0\"></span>mati<span class=\"_ _0\"></span>on for t<span class=\"_ _0\"></span>hos<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates that a<span class=\"_ _0\"></span>re mater<span class=\"_ _0\"></span>ial to th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up. The i<span class=\"_ _0\"></span>nform<span class=\"_ _0\"></span>atio<span class=\"_ _0\"></span>n dis<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>d refl<span class=\"_ _0\"></span>ect<span class=\"_ _0\"></span>s the a<span class=\"_ _0\"></span>mou<span class=\"_ _0\"></span>nts pre<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>nted in th<span class=\"_ _0\"></span>e fi<span class=\"_ _0\"></span>na<span class=\"_ _0\"></span>nci<span class=\"_ _0\"></span>al st<span class=\"_ _0\"></span>atement<span class=\"_ _0\"></span>s of the re<span class=\"_ _0\"></span>levant a<span class=\"_ _0\"></span>sso<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates and not Fund<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Circ<span class=\"_ _0\"></span>le H<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>di<span class=\"_ _0\"></span>ngs p<span class=\"_ _0\"></span>lc<span class=\"_ _0\"></span>\u2019s s<span class=\"_ _0\"></span>hare of t<span class=\"_ _0\"></span>hose a<span class=\"_ _0\"></span>mo<span class=\"_ _0\"></span>unts<span class=\"_ _0\"></span>. They have b<span class=\"_ _0\"></span>ee<span class=\"_ _0\"></span>n ame<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span>ed to refl<span class=\"_ _0\"></span>ect a<span class=\"_ _0\"></span>dju<span class=\"_ _0\"></span>stm<span class=\"_ _0\"></span>ents m<span class=\"_ _0\"></span>ade by the e<span class=\"_ _0\"></span>ntit<span class=\"_ _0\"></span>y whe<span class=\"_ _0\"></span>n us<span class=\"_ _0\"></span>ing t<span class=\"_ _0\"></span>he e<span class=\"_ _0\"></span>qui<span class=\"_ _0\"></span>ty m<span class=\"_ _0\"></span>etho<span class=\"_ _0\"></span>d, in<span class=\"_ _0\"></span>cl<span class=\"_ _0\"></span>udi<span class=\"_ _0\"></span>ng m<span class=\"_ _0\"></span>odi<span class=\"_ _0\"></span>fi<span class=\"_ _0\"></span>cat<span class=\"_ _0\"></span>ion<span class=\"_ _0\"></span>s for dif<span class=\"_ _0\"></span>fere<span class=\"_ _0\"></span>nce<span class=\"_ _0\"></span>s in a<span class=\"_ _0\"></span>cco<span class=\"_ _0\"></span>unti<span class=\"_ _0\"></span>ng p<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>icy. Whil<span class=\"_ _0\"></span>e the Gro<span class=\"_ _0\"></span>up h<span class=\"_ _0\"></span>ol<span class=\"_ _0\"></span>ds les<span class=\"_ _0\"></span>s th<span class=\"_ _0\"></span>an 20% owne<span class=\"_ _0\"></span>rs<span class=\"_ _0\"></span>hi<span class=\"_ _0\"></span>p in Fun<span class=\"_ _0\"></span>din<span class=\"_ _0\"></span>g Circ<span class=\"_ _0\"></span>le U<span class=\"_ _0\"></span>K S<span class=\"_ _0\"></span>ME D<span class=\"_ _0\"></span>ire<span class=\"_ _0\"></span>ct Lend<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g Fund I, t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>roup c<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>sid<span class=\"_ _0\"></span>ers t<span class=\"_ _0\"></span>hat it has s<span class=\"_ _0\"></span>ign<span class=\"_ _0\"></span>if<span class=\"_ _0\"></span>ic<span class=\"_ _0\"></span>ant inf<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ce over th<span class=\"_ _0\"></span>e enti<span class=\"_ _0\"></span>ty t<span class=\"_ _0\"></span>hrou<span class=\"_ _0\"></span>gh re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>entat<span class=\"_ _0\"></span>ion o<span class=\"_ _0\"></span>n its B<span class=\"_ _0\"></span>oa<span class=\"_ _0\"></span>rd an<span class=\"_ _0\"></span>d so co<span class=\"_ _0\"></span>nti<span class=\"_ _0\"></span>nue<span class=\"_ _0\"></span>s to acco<span class=\"_ _0\"></span>unt for i<span class=\"_ _0\"></span>t as an ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ate instea<span class=\"_ _0\"></span>d of a tra<span class=\"_ _0\"></span>de invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt.<span class=\"_ _2d6\"> </span>The as<span class=\"_ _0\"></span>so<span class=\"_ _0\"></span>ci<span class=\"_ _0\"></span>ates are sub<span class=\"_ _0\"></span>-fu<span class=\"_ _0\"></span>nds w<span class=\"_ _0\"></span>hic<span class=\"_ _0\"></span>h invest i<span class=\"_ _0\"></span>n SM<span class=\"_ _0\"></span>E l<span class=\"_ _0\"></span>oans<span class=\"_ _0\"></span>, and t<span class=\"_ _0\"></span>he G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p is expo<span class=\"_ _0\"></span>sed to defa<span class=\"_ _0\"></span>ult a<span class=\"_ _0\"></span>nd p<span class=\"_ _0\"></span>rep<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nt ris<span class=\"_ _0\"></span>k wit<span class=\"_ _0\"></span>h resp<span class=\"_ _0\"></span>ect to th<span class=\"_ _0\"></span>e pe<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>an<span class=\"_ _0\"></span>ce of th<span class=\"_ _0\"></span>e und<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>lyi<span class=\"_ _0\"></span>ng l<span class=\"_ _0\"></span>oan<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e ass<span class=\"_ _0\"></span>oc<span class=\"_ _0\"></span>iates, to the ex<span class=\"_ _0\"></span>tent that t<span class=\"_ _0\"></span>he s<span class=\"_ _0\"></span>hare of p<span class=\"_ _0\"></span>rofi<span class=\"_ _0\"></span>t from ass<span class=\"_ _0\"></span>oci<span class=\"_ _0\"></span>ates may di<span class=\"_ _0\"></span>min<span class=\"_ _0\"></span>ish<span class=\"_ _0\"></span>. Th<span class=\"_ _0\"></span>e tab<span class=\"_ _0\"></span>le b<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>ow ill<span class=\"_ _0\"></span>ust<span class=\"_ _0\"></span>rates th<span class=\"_ _0\"></span>e Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s maxi<span class=\"_ _0\"></span>mum exp<span class=\"_ _0\"></span>osu<span class=\"_ _0\"></span>re to the invest<span class=\"_ _0\"></span>me<span class=\"_ _0\"></span>nt in as<span class=\"_ _0\"></span>soc<span class=\"_ _0\"></span>iates whi<span class=\"_ _0\"></span>ch re<span class=\"_ _0\"></span>pres<span class=\"_ _0\"></span>ents t<span class=\"_ _0\"></span>he val<span class=\"_ _0\"></span>ue o<span class=\"_ _0\"></span>n the G<span class=\"_ _0\"></span>rou<span class=\"_ _0\"></span>p ba<span class=\"_ _0\"></span>la<span class=\"_ _0\"></span>nce s<span class=\"_ _0\"></span>he<span class=\"_ _0\"></span>et. Th<span class=\"_ _0\"></span>e valu<span class=\"_ _0\"></span>e of th<span class=\"_ _0\"></span>e investm<span class=\"_ _0\"></span>ent is d<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>ived fro<span class=\"_ _0\"></span>m net a<span class=\"_ _0\"></span>sset va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e statem<span class=\"_ _0\"></span>ents fro<span class=\"_ _0\"></span>m th<span class=\"_ _0\"></span>e sub<span class=\"_ _0\"></span>-fu<span class=\"_ _0\"></span>nds; however, bein<span class=\"_ _0\"></span>g pr<span class=\"_ _0\"></span>ivate, thes<span class=\"_ _0\"></span>e are not f<span class=\"_ _0\"></span>rom o<span class=\"_ _0\"></span>bse<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>vabl<span class=\"_ _0\"></span>e ma<span class=\"_ _0\"></span>rket data, a<span class=\"_ _0\"></span>nd th<span class=\"_ _0\"></span>erefore t<span class=\"_ _0\"></span>he fair va<span class=\"_ _0\"></span>lu<span class=\"_ _0\"></span>e is co<span class=\"_ _0\"></span>nsi<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>red to be a<span class=\"_ _0\"></span>li<span class=\"_ _0\"></span>gne<span class=\"_ _0\"></span>d to the c<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>yi<span class=\"_ _0\"></span>ng val<span class=\"_ _0\"></span>ue.<span class=\"_ _2d6\"> </span><table class=\"s w26f hdf\" id=\"_7323ed11-448d-4fc2-8065-a267f7909558\"><tr><td></td><td class=\"t m0 xb54 h38 y2ba6 ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2ba6 ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2ba7 ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2ba7 ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2ba8 ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb56 h35 y2ba8 ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h38 y2ba9 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2ba9 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2baa ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2baa ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x256 h35 y2bab ff4 fs19 fc5 sc0 lsd0 wsc7\">Summarised balance<span class=\"_ _1\"></span> sheet (Group\u2019<span class=\"_ _1\"></span>s share<span class=\"_ _1\"></span>)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x254 h38 y2bab ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2bab ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2905 w5f6 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> assets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x53f y2906 w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb57 y2905 w169 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e5 w5f7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Cu<span class=\"_ _0\"></span>rre<span class=\"_ _0\"></span>nt ass<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x26b y27e6 w1f0 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb58 y27e5 w327 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e7 w5f8 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Curren<span class=\"_ _1\"></span>t liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x406 y27e8 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb59 y27e7 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2830 w5f9 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Non-current<span class=\"_ _1\"></span> liabilities<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y282f w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y2830 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w5fa h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls9 ws8\">Net ass<span class=\"_ _0\"></span>ets<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x559 y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5a y27eb wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr></table>Reconciliat<span class=\"_ _1\"></span>ion of<span class=\"_ _1\"></span> associate<span class=\"_ _1\"></span>s\u2019 to<span class=\"_ _1\"></span>tal shareholders\u2019<span class=\"_ _1\"></span> equity to<span class=\"_ _1\"></span> carr<span class=\"_ _0\"></span>ying amoun<span class=\"_ _1\"></span>t in F<span class=\"_ _1\"></span>unding Circle<span class=\"_ _1\"></span> Holdings plc\u2019<span class=\"_ _1\"></span>s consolida<span class=\"_ _1\"></span>ted financial<span class=\"_ _1\"></span> stat<span class=\"_ _1\"></span>ements<span class=\"_ _2d6\"> </span><table class=\"s w5fb he0\" id=\"_f80c42d3-e3d7-40e6-8c2f-07fcc9d8b4a3\"><tr><td></td><td class=\"t m0 xb54 h38 y2bac ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2bac ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2bad ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb55 h35 y2bad ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb54 h38 y2bae ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb56 h35 y2bae ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h38 y2baf ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24d h35 y2baf ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x250 h38 y2bb0 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x24f h35 y2bb0 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x254 h38 y2bb1 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x255 h35 y2bb1 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2a74 w5fc h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Op<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>in<span class=\"_ _0\"></span>g net as<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>s as at 1 Ja<span class=\"_ _0\"></span>nua<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>y<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5b y2a75 w5fd h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls87 ws83\">18.3<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5c y2a74 w19e h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls7f ws7b\">32.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2a76 w115 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5d y2a77 w2bf h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.4<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5e y2a76 w14b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2973 w2ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Exchange<span class=\"_ _1\"></span> dif<span class=\"_ _0\"></span>fer<span class=\"_ _1\"></span>ences<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x51f y2974 w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x525 y2973 w28 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2975 w5fe h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Other compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5f y2976 w28 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2975 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2825 w5ff h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Ca<span class=\"_ _0\"></span>pit<span class=\"_ _0\"></span>al re<span class=\"_ _0\"></span>de<span class=\"_ _0\"></span>mpti<span class=\"_ _0\"></span>on<span class=\"_ _0\"></span>s in th<span class=\"_ _0\"></span>e yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb60 y2826 w600 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb61 y2825 w601 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls10d ws106\">(13<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y290c w602 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Di<span class=\"_ _0\"></span>vid<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span>ds pa<span class=\"_ _0\"></span>id i<span class=\"_ _0\"></span>n the ye<span class=\"_ _0\"></span>ar<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb62 y290d w46f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsf5 wsee\">(0.<span class=\"_ _0\"></span>4)<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb63 y290c w603 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls8b ws87\">(1.5)<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2906 w604 h93\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls2 ws2\">Cl<span class=\"_ _0\"></span>osi<span class=\"_ _0\"></span>ng n<span class=\"_ _0\"></span>et as<span class=\"_ _0\"></span>se<span class=\"_ _0\"></span>ts as at 3<span class=\"_ _0\"></span>1 De<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb64 y2906 w7f h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls11a ws113\">7.<span class=\"_ _2\"></span>2<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb65 y2905 w605 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">18.3<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2b4a w606 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are i<span class=\"_ _0\"></span>n %<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb66 y2bb2 w607 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 lsb5 wsb1\">8.3%<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb67 y2b4a w608 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 lsd4 wscb\">8.3%<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y29e1 w609 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">Gro<span class=\"_ _0\"></span>up<span class=\"_ _0\"></span>\u2019s sh<span class=\"_ _0\"></span>are of n<span class=\"_ _0\"></span>et ass<span class=\"_ _0\"></span>ets as at 31 D<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>cem<span class=\"_ _0\"></span>be<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb68 y29e2 w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb69 y29e1 wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27e9 w60a h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls15 ws14\">Accoun<span class=\"_ _1\"></span>ting policy<span class=\"_ _1\"></span> alignment<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y27ea w1c h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54d y27e9 w1c h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27eb w60b h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls17 ws16\">Group\u2019s<span class=\"_ _1\"></span> c<span class=\"_ _0\"></span>arrying amount<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6a y27ec w31 h93\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.6<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6b y27eb wd7 h94\"><div class=\"t m0 x1ba hd y27c2 ff4 fs6 fc5 sc0 ls32 ws33\">1.5<span class=\"_ _2d6\"> </span></div></td></tr></table><table class=\"s w60c he1\" id=\"_580eec5a-0a13-4a70-a3ce-3b3375f492aa\"><tr><td></td><td class=\"t m0 xb6c h38 y2bb3 ff2 fs19 fc3 sc0 lscf wsc6\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6d h35 y2bb3 ff4 fs19 fc5 sc0 lsd1 wsc8\">Funding<span class=\"_ _1\"></span> Circle<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb6c h38 y2bb4 ff2 fs19 fc3 sc0 ls2 ws2\">U<span class=\"_ _0\"></span>K SM<span class=\"_ _0\"></span>E D<span class=\"_ _0\"></span>i<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6e h35 y2bb4 ff4 fs19 fc5 sc0 ls2 ws2\">UK S<span class=\"_ _0\"></span>M<span class=\"_ _0\"></span>E Di<span class=\"_ _0\"></span>re<span class=\"_ _0\"></span>ct<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 xb6c h38 y2bb5 ff2 fs19 fc3 sc0 lscf wsc6\">Lending F<span class=\"_ _1\"></span>und I<span class=\"_ _2d6\"> </span></td><td class=\"t m0 xb6e h35 y2bb5 ff4 fs19 fc5 sc0 lsd1 wsc8\">Lending<span class=\"_ _1\"></span> Fund I<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x539 h38 y2bb6 ff2 fs19 fc3 sc0 lsd9 wsd0\">31<span class=\"_ _1\"></span> Decembe<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b4 h35 y2bb6 ff4 fs19 fc5 sc0 lsd1 wsc8\">31<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>ecember<span class=\"_ _2d6\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h38 y2bb7 ff2 fs19 fc3 sc0 ls101 wsfa\">2024<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1b8 h35 y2bb7 ff4 fs19 fc5 sc0 lsf2 wseb\">2023<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"t m0 x21d h35 y2bb8 ff4 fs19 fc5 sc0 lsd1 wsc8\">Summarised st<span class=\"_ _1\"></span>atement<span class=\"_ _1\"></span> of comprehen<span class=\"_ _1\"></span>sive income<span class=\"_ _1\"></span> (Group\u2019s<span class=\"_ _1\"></span> share)<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x53a h38 y2bb8 ff2 fs19 fc3 sc0 ls117 ws10f\">\u00a3m<span class=\"_ _2d6\"> </span></td><td class=\"t m0 x1c4 h35 y2bb8 ff4 fs19 fc5 sc0 ls109 ws102\">\u00a3m<span class=\"_ _2d6\"> </span></td></tr><tr><td class=\"c n x1c5 y2916 w60d h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Gross<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb6f y2964 w60e h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls31 ws32\">0.1<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb70 y2916 w330 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls7d ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2966 w115 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">Prof<span class=\"_ _0\"></span>it for t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y2965 w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb71 y2966 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2bb9 w5fe h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls15 ws14\">Other compr<span class=\"_ _1\"></span>ehensive<span class=\"_ _1\"></span> income<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb5f y2bba w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x661 y2bb9 w1c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y2969 w60f h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls13 ws12\">T<span class=\"_ _5\"></span>otal compreh<span class=\"_ _1\"></span>ensive inc<span class=\"_ _1\"></span>ome<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x54b y2969 w1c h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb72 y2968 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y282f w610 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls1e ws26\">Dividends received<span class=\"_ _1\"></span> from associates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n x267 y282f w28 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls2 ws2\">\u2014<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb71 y2830 w20c h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">0<span class=\"_ _0\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr><tr><td class=\"c n x1c5 y27ec w611 h91\"><div class=\"t m0 x1ba hd y27a2 ff6 fs6 fc5 sc0 ls15 ws14\">Capital red<span class=\"_ _1\"></span>emptions receiv<span class=\"_ _1\"></span>ed from<span class=\"_ _1\"></span> associates<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb73 y27ec w31 h91\"><div class=\"t m0 x1ba hd y27a2 ff2 fs6 fc3 sc0 ls32 ws33\">0.9<span class=\"_ _2d6\"> </span></div></td><td class=\"c n xb74 y27eb w612 h90\"><div class=\"t m0 x1ba hd y27a0 ff4 fs6 fc5 sc0 ls31 ws32\">1<span class=\"_ _2\"></span>.1<span class=\"_ _2d6\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInAssociatesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-8": {
   "value": "71 Queen Victoria Street London EC4V 4AY",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  }
 }
}